<SEC-DOCUMENT>0001144204-12-014591.txt : 20120313
<SEC-HEADER>0001144204-12-014591.hdr.sgml : 20120313
<ACCEPTANCE-DATETIME>20120313160454
ACCESSION NUMBER:		0001144204-12-014591
CONFORMED SUBMISSION TYPE:	10-K
PUBLIC DOCUMENT COUNT:		25
CONFORMED PERIOD OF REPORT:	20111231
FILED AS OF DATE:		20120313
DATE AS OF CHANGE:		20120313

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CENTER BANCORP INC
		CENTRAL INDEX KEY:			0000712771
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				521273725
		STATE OF INCORPORATION:			NJ
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		10-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-11486
		FILM NUMBER:		12687215

	BUSINESS ADDRESS:	
		STREET 1:		2455 MORRIS AVE
		CITY:			UNION
		STATE:			NJ
		ZIP:			07083
		BUSINESS PHONE:		9086889500

	MAIL ADDRESS:	
		STREET 1:		2455 MORRIS AVE
		CITY:			UNION
		STATE:			NJ
		ZIP:			07083
</SEC-HEADER>
<DOCUMENT>
<TYPE>10-K
<SEQUENCE>1
<FILENAME>v304291_10k.htm
<DESCRIPTION>FORM 10-K
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<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">&nbsp;&nbsp;</P>

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<DIV  STYLE="width: 100%; display: inline; vertical-align: middle; border-top: 4pt black double">&nbsp;</DIV><H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">UNITED STATES<BR> SECURITIES AND EXCHANGE COMMISSION<BR> Washington, D.C. 20549</H1>


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<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">FORM 10-K</H1>


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<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="496" STYLE="vertical-align: text-top; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

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          <TD STYLE="text-align: center; font-weight: bold" ROWSPAN=1 COLSPAN=1>(Mark One)</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">&nbsp;&nbsp;</TD>

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          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1><FONT STYLE="font-family: wingdings">x</font></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left"><B>ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d)<BR> OF THE SECURITIES EXCHANGE ACT OF 1934.</B></TD>

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<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">For the Fiscal Year Ended December 31, 2011 </H1>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">OR </H1>

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<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="496" STYLE="vertical-align: text-top; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

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          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="408"></TD>

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          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1><FONT STYLE="font-family: wingdings">o</font></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left"><B>TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d)<BR> OF THE SECURITIES EXCHANGE ACT OF 1934.</B></TD>

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</TABLE></DIV>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">For the Transition Period from&nbsp;<IMG SRC="line.gif" STYLE="width: 72px; height: 1pt">&nbsp;to&nbsp;<IMG SRC="line.gif" STYLE="width: 72px; height: 1pt"> </H1>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Commission File Number: 000-11486</H1>


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<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 18pt; line-height: 20pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC. </H1>

<P STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 8pt; line-height: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">(Exact Name of Registrant as Specified in Its Charter) </P>

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<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="708" STYLE="vertical-align: text-top; text-indent:0px; text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

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          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="360"></TD>

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          <TD STYLE="line-height: 12pt; vertical-align: text-bottom; font-weight: bold; font-size: 10pt; text-align: center" ROWSPAN=1 COLSPAN=1>New Jersey</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: 12pt; vertical-align: text-bottom; font-weight: bold; font-size: 10pt; text-align: center" ROWSPAN=1 COLSPAN=1>52-1273725</TD>

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          <TD STYLE="padding-left: 0pt; text-indent: 0pt" ROWSPAN=1 COLSPAN=1>(State or Other Jurisdiction of<BR> Incorporation or Organization)</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: center">(IRS Employer<BR> Identification Number)</TD>

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<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">2455 Morris Avenue, Union, NJ 07083-0007 </H1>

<P STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 8pt; line-height: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">(Address of Principal Executive Offices, Including Zip Code) </P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">(908) 688-9500 </H1>

<P STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 8pt; line-height: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">(Registrant&#146;s Telephone Number, Including Area Code)</P>


<DIV ALIGN="CENTER"><BR><IMG SRC="line.gif" ALIGN="MIDDLE" STYLE="width: 180px; height: 1pt; text-align: center"><BR>&nbsp;</DIV>

<P STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Securities registered pursuant to Section 12(b) of the Exchange Act: </P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Common Stock, No Par Value </H1>

<P STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 8pt; line-height: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">(Title of Class) </P>

<P STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Securities registered pursuant to Section 12(g) of the Exchange Act: <B>None</B></P>


<DIV ALIGN="CENTER"><BR><IMG SRC="line.gif" ALIGN="MIDDLE" STYLE="width: 180px; height: 1pt; text-align: center"><BR>&nbsp;</DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Indicate by checkmark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.Yes <FONT STYLE="font-family: wingdings">o</font> No <FONT STYLE="font-family: wingdings">x</font> </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Indicate by checkmark if the registrant is not required to file reports pursuant to Section 13 or 15(d) of the Act. Yes <FONT STYLE="font-family: wingdings">o</font> No <FONT STYLE="font-family: wingdings">x</font> </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15 (d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes <FONT STYLE="font-family: wingdings">x</font> No <FONT STYLE="font-family: wingdings">o</font> </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Regulation S-T (232,405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant has required to submit and post such files.) Yes <FONT STYLE="font-family: wingdings">x</font> No <FONT STYLE="font-family: wingdings">o</font> </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K is not contained herein, and will not be contained, to the best of Registrant&#146;s knowledge, in definitive proxy or information statements incorporated by reference in Part III of the Form 10-K or any amendment to the Form 10-K. <FONT STYLE="font-family: wingdings">o</font> </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer or a smaller reporting company. See definition of &#147;large accelerated filer&#148;, &#147;accelerated filer&#148; and &#147;smaller reporting company&#148; in Rule 12b-2 of the Securities Exchange Act of 1934. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="682" STYLE="vertical-align: text-top; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="168"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="136"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="128"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="202"></TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt" ROWSPAN=1 COLSPAN=1>Large Accelerated Filer <FONT STYLE="font-family: wingdings">o</font></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Accelerated Filer <FONT STYLE="font-family: wingdings">x</font></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Non-Accelerated <FONT STYLE="font-family: wingdings">o</font></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Small Reporting Company <FONT STYLE="font-family: wingdings">o</font></TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act) Yes <FONT STYLE="font-family: wingdings">o</font> or No <FONT STYLE="font-family: wingdings">x</font> </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The aggregate market value of the voting and non-voting common equity held by non-affiliates computed by reference to the price at which the common equity was last sold or the average bid and ask price of such common equity, as of the last business day of the registrant&#146;s most recently completed second fiscal quarter&nbsp;&#151;&nbsp;$126.4 million </P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Shares Outstanding on March 1, 2012<BR> Common Stock, no par value: 16,332,327 shares </H1>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">DOCUMENTS INCORPORATED BY REFERENCE </H1>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Definitive proxy statement in connection with the 2012 Annual Stockholders Meeting to be filed with the Commission pursuant to Regulation 14A will be incorporated by reference in Part III. </P>

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<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#TOC"></a>CENTER BANCORP, INC.<BR>&nbsp;&nbsp;<BR>TABLE OF CONTENTS </H1>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="536"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Page</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="text-align: center; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=5>PART I<BR></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tBUS"><P STYLE="padding-left: 50pt; text-indent: -50pt; margin-bottom: -12pt">Item 1.</P><P STYLE="margin-top: 0pt; padding-left: 50pt">Business</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tBUS">1</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tRF"><P STYLE="padding-left: 50pt; text-indent: -50pt; margin-bottom: -12pt">Item 1A.</P><P STYLE="margin-top: 0pt; padding-left: 50pt">Risk Factors</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tRF">16</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tUSC"><P STYLE="padding-left: 50pt; text-indent: -50pt; margin-bottom: -12pt">Item 1B.</P><P STYLE="margin-top: 0pt; padding-left: 50pt">Unresolved Staff Comments</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tUSC">23</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tPROP"><P STYLE="padding-left: 50pt; text-indent: -50pt; margin-bottom: -12pt">Item 2.</P><P STYLE="margin-top: 0pt; padding-left: 50pt">Properties</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tPROP">23</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tLP"><P STYLE="padding-left: 50pt; text-indent: -50pt; margin-bottom: -12pt">Item 3.</P><P STYLE="margin-top: 0pt; padding-left: 50pt">Legal Proceedings</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tLP">24</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tEOR"><P STYLE="padding-left: 50pt; text-indent: -50pt; margin-bottom: -12pt">Item 3A.</P><P STYLE="margin-top: 0pt; padding-left: 50pt">Executive Officers of the Registrant</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tEOR">25</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tMSD"><P STYLE="padding-left: 50pt; text-indent: -50pt; margin-bottom: -12pt">Item 4.</P><P STYLE="margin-top: 0pt; padding-left: 50pt">Mine Safety Disclosures</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tMSD">26</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="text-align: center; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=5>PART II<BR></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tMRCES"><P STYLE="padding-left: 50pt; text-indent: -50pt; margin-bottom: -12pt">Item 5.</P><P STYLE="margin-top: 0pt; padding-left: 50pt">Market for Registrant&#146;s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tMRCES">27</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tSFD"><P STYLE="padding-left: 50pt; text-indent: -50pt; margin-bottom: -12pt">Item 6.</P><P STYLE="margin-top: 0pt; padding-left: 50pt">Selected Financial Data</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tSFD">29</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tMDAFC"><P STYLE="padding-left: 50pt; text-indent: -50pt; margin-bottom: -12pt">Item 7.</P><P STYLE="margin-top: 0pt; padding-left: 50pt">Management&#146;s Discussion and Analysis of Financial Condition and Results of Operations</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tMDAFC">32</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tQQDA"><P STYLE="padding-left: 50pt; text-indent: -50pt; margin-bottom: -12pt">Item 7A.</P><P STYLE="margin-top: 0pt; padding-left: 50pt">Quantitative and Qualitative Disclosures About Market Risk</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tQQDA">65</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tFSSD"><P STYLE="padding-left: 50pt; text-indent: -50pt; margin-bottom: -12pt">Item 8.</P><P STYLE="margin-top: 0pt; padding-left: 50pt">Financial Statements and Supplementary Data:</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tFSSD">F-1</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC"><TD STYLE="padding-left: 50pt; text-indent: -0pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#ftRIRPAF">Report of Independent Registered Public Accounting Firm</a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#ftRIRPAF">F-2</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 60pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Center Bancorp, Inc. and Subsidiaries:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC"><TD STYLE="padding-left: 70pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#ftCSC">Consolidated Statements of Condition</a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#ftCSC">F-3</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 70pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#ftCSI">Consolidated Statements of Income</a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#ftCSI">F-4</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC"><TD STYLE="padding-left: 70pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#ftCSCSE">Consolidated Statements of Changes in Stockholders&#146; Equity</a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#ftCSCSE">F-5</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 70pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#ftCSCF">Consolidated Statements of Cash Flows</a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#ftCSCF">F-6</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC"><TD STYLE="padding-left: 70pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#ftNCFS">Notes to Consolidated Financial Statements</a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#ftNCFS">F-8</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tCDAA"><P STYLE="padding-left: 50pt; text-indent: -50pt; margin-bottom: -12pt">Item 9.</P><P STYLE="margin-top: 0pt; padding-left: 50pt">Changes in and Disagreements With Accountants on Accounting and Financial Disclosure</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tCDAA">66</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tCP"><P STYLE="padding-left: 50pt; text-indent: -50pt; margin-bottom: -12pt">Item 9A.</P><P STYLE="margin-top: 0pt; padding-left: 50pt">Controls and Procedures</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tCP">66</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tOI"><P STYLE="padding-left: 50pt; text-indent: -50pt; margin-bottom: -12pt">Item 9B.</P><P STYLE="margin-top: 0pt; padding-left: 50pt">Other Information</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tOI">69</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="text-align: center; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=5>PART III<BR></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tDCG"><P STYLE="padding-left: 50pt; text-indent: -50pt; margin-bottom: -12pt">Item 10.</P><P STYLE="margin-top: 0pt; padding-left: 50pt">Directors, Executive Officers and Corporate Governance</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tDCG">70</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tEC"><P STYLE="padding-left: 50pt; text-indent: -50pt; margin-bottom: -12pt">Item 11.</P><P STYLE="margin-top: 0pt; padding-left: 50pt">Executive Compensation</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tEC">70</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tSOCBOM"><P STYLE="padding-left: 50pt; text-indent: -50pt; margin-bottom: -12pt">Item 12.</P><P STYLE="margin-top: 0pt; padding-left: 50pt">Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tSOCBOM">70</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tCRRT"><P STYLE="padding-left: 50pt; text-indent: -50pt; margin-bottom: -12pt">Item 13.</P><P STYLE="margin-top: 0pt; padding-left: 50pt">Certain Relationships and Related Transactions, and Director Independence</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tCRRT">70</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tPAFS"><P STYLE="padding-left: 50pt; text-indent: -50pt; margin-bottom: -12pt">Item 14.</P><P STYLE="margin-top: 0pt; padding-left: 50pt">Principal Accountant Fees and Services</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tPAFS">70</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="text-align: center; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=5>PART IV<BR></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tEFSS"><P STYLE="padding-left: 50pt; text-indent: -50pt; margin-bottom: -12pt">Item 15.</P><P STYLE="margin-top: 0pt; padding-left: 50pt">Exhibits, Financial Statements Schedules</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tEFSS">71</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tSIG">Signatures</a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tSIG">74</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B><I>Information included in or incorporated by reference in this Annual Report on Form 10-K, other filings with the Securities and Exchange Commission, the Corporation&#146;s press releases or other public statements, contain or may contain forward looking statements. Please refer to a discussion of the Corporation&#146;s forward looking statements and associated risks in &#147;Item 1&nbsp;&#151;&nbsp;Business&nbsp;&#151;&nbsp;Historical Development of Business&#148; and &#147;Item 1A&nbsp;&#151;&nbsp;Risk Factors&#148; in this Annual Report on Form 10-K.</I></B> </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">
i
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<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC.<BR> FORM 10-K<BR>&nbsp;&nbsp;<BR> PART I </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#tBUS"></a>Item 1. Business </H2>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Historical Development of Business </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">This report, in Item 1, Item 7 and elsewhere, includes forward-looking statements within the meaning of Sections 27A of the Securities Act of 1933, as amended, and 21E of the Securities Exchange Act of 1934, as amended, that involve inherent risks and uncertainties. This report contains certain forward-looking statements with respect to the financial condition, results of operations, plans, objectives, future performance and business of Center Bancorp, Inc. and its subsidiaries, including statements preceded by, followed by or that include words or phrases such as &#147;believes,&#148; &#147;expects,&#148; &#147;anticipates,&#148; &#147;plans,&#148;
&#147;trend,&#148; &#147;objective,&#148; &#147;continue,&#148; &#147;remain,&#148; &#147;pattern&#148; or similar expressions or future or conditional verbs such as &#147;will,&#148; &#147;would,&#148; &#147;should,&#148; &#147;could,&#148; &#147;might,&#148; &#147;can,&#148; &#147;may&#148; or similar expressions. There are a number of important factors that could cause future results to differ materially from historical performance and these forward-looking statements. Factors that might cause such a difference include, but are not limited to: (1) competitive pressures among depository institutions may increase significantly; (2) changes in the interest rate environment may reduce interest margins; (3) prepayment speeds, loan origination and sale volumes, charge-offs and loan loss provisions may vary substantially from period to period; (4) general economic conditions may be less favorable than expected; (5) political developments, wars or other hostilities may disrupt or increase
volatility in securities markets or other economic conditions; (6) legislative or regulatory changes or actions may adversely affect the businesses in which Center Bancorp, Inc. is engaged; (7) changes and trends in the securities markets may adversely impact Center Bancorp, Inc; (8) a delayed or incomplete resolution of regulatory issues could adversely impact our planning; (9) difficulties in integrating any businesses that we may acquire, which may increase our expenses and delay the achievement of any benefits that we may expect from such acquisitions; (10) the impact of reputation risk created by the developments discussed above on such matters as business generation and retention, funding and liquidity could be significant; and (11) the outcome of regulatory and legal investigations and proceedings may not be anticipated. Further information on other factors that could affect the financial results of Center Bancorp, Inc. are included in Item 1A of this Annual Report on Form 10-K
and in Center Bancorp&#146;s other filings with the Securities and Exchange Commission. These documents are available free of charge at the Commission&#146;s website at <I>http://www.sec.gov</I> and/or from Center Bancorp, Inc. Center Bancorp, Inc. assumes no obligation to update forward-looking statements at any time. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Center Bancorp, Inc., a one-bank holding company, was incorporated in the state of New Jersey on November 12, 1982. Upon the acquisition of all outstanding shares of capital stock of Union Center National Bank (the &#147;Bank&#148;), its principal subsidiary, Center Bancorp, Inc. commenced operations on May 1, 1983. The holding company&#146;s sole activity, at this time, is to act as a holding company for the Bank and other subsidiaries. As used herein, the term &#147;Corporation&#148; shall refer to Center Bancorp, Inc. and its direct and indirect subsidiaries and the term &#147;Parent Corporation&#148; shall refer to Center Bancorp, Inc. on an
unconsolidated basis. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Center Bancorp, Inc. owns 100 percent of the voting shares of Center Bancorp, Inc. Statutory Trust II, through which it issued trust preferred securities. The trust exists for the exclusive purpose of (i) issuing trust securities representing undivided beneficial interests in the assets of the trust; (ii) investing the gross proceeds of the trust securities in $5.2 million of junior subordinated deferrable interest debentures (subordinated debentures) of the Corporation; and (iii) engaging in only those activities necessary or incidental thereto. These subordinated debentures and the related income effects are not eliminated in the consolidated
financial statements as the statutory business trust is not consolidated in accordance with Financial Accounting Standards Board (&#147;FASB&#148;) FASB ASC 810-10 (previously FASB interpretation No. 46(R), &#147;Consolidation of Variable Interest Entities.&#148; Distributions on the subordinated debentures owned by the subsidiary trust have been classified as interest expense in the Consolidated Statements of Income. See Note 10 of the Consolidated Financial Statements. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">1</P>

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<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Except as described above, the Corporation&#146;s wholly-owned subsidiaries are all included in the consolidated financial statements of Center Bancorp, Inc. These subsidiaries include an advertising subsidiary; an insurance subsidiary offering annuity products, property and casualty, life and health insurance, and various investment subsidiaries which hold, maintain and manage investment assets for the Corporation. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">On February 1, 2012, the Bank entered into a Bank Purchase and Assumption Agreement (the &#147;Agreement&#148;) with Saddle River Valley Bancorp and Saddle River Valley Bank (&#147;SRVB&#148;). Under the Agreement, at closing, the Bank will purchase SRVB&#146;s branches, located in Saddle River, New Jersey and Oakland, New Jersey, as well as substantially all of SRVB&#146;s assets and SRVB&#146;s deposit base, for an all-cash purchase price equal to 90% of SRVB&#146;s adjusted stockholders&#146; equity at closing. The purchase price is expected to be between $10 million and $11 million. The Agreement provides for standard representations and
warranties, indemnities and covenants. Closing is subject to customary conditions, including receipt of regulatory approval and approval of the transaction by the stockholders of Saddle River Valley Bancorp. It is anticipated that the transaction will close during the second quarter of 2012. Center Bancorp expects the transaction to be immediately accretive to earnings, excluding restructuring expenses. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">SEC Reports and Corporate Governance </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Parent Corporation makes its Annual Report on Form 10-K, Quarterly Reports on Form 10-Q and Current Reports on Form 8-K and amendments thereto available on its website at <I>www.centerbancorp.com</I> without charge as soon as reasonably practicable after filing or furnishing them to the SEC. Also available on the website are the Corporation&#146;s corporate code of ethics that applies to all of the Corporation&#146;s employees, including principal officers and directors, and charters for the Audit Committee, Compensation Committee and Nominating Committee. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Parent Corporation has filed the certifications of the Chief Executive Officer and Chief Financial Officer required pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 with respect to the Parent Corporation&#146;s Annual Report on Form 10-K as exhibits to this Report. Center Bancorp&#146;s CEO submitted the required annual CEO&#146;s Certification regarding the NASDAQ&#146;s corporate governance listing standards, Section 12(a) CEO Certification, to the NASDAQ within the required time frame after the 2011 annual shareholders&#146; meeting. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Additionally, the Parent Corporation will provide without charge, a copy of its Annual Report on Form 10-K to any shareholder by mail. Requests should be sent to Center Bancorp, Inc, Attention: Shareholder Relations, 2455 Morris Avenue, Union, New Jersey, 07083. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Narrative Description of the Business </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Bank offers a broad range of lending, depository and related financial services to commercial, industrial and governmental customers. The Bank has full trust powers, enabling it to offer a variety of trust services to its customers. In the lending area, the Bank&#146;s services include short and medium term loans, lines of credit, letters of credit, working capital loans, real estate construction loans and mortgage loans. In the depository area, the Bank offers demand deposits, savings accounts and time deposits. In addition, the Bank offers collection services, wire transfers, night depository and lock box services. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Bank offers a broad range of consumer banking services, including interest bearing and non-interest bearing checking accounts, savings accounts, money market accounts, certificates of deposit, IRA accounts, Automated Teller Machine (&#147;ATM&#148;) accessibility using Star Systems, Inc. service, secured and unsecured loans, mortgage loans, home equity lines of credit, safe deposit boxes, Christmas club accounts, vacation club accounts, money orders and travelers&#146; checks. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Bank, through its subsidiary, Center Financial Group LLC, provides financial services, including brokerage services, insurance and annuities, mutual funds and financial planning. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Bank offers various money market services. It deals in U.S. Treasury and U.S. Governmental agency securities, certificates of deposit, commercial paper and repurchase agreements. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Bank entered into a limited liability company operating agreement with Morris Property Company, LLC, a New Jersey limited liability company, during the fourth quarter of 2008. The purpose of Morris Property Company, LLC is to hold foreclosed assets. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">2</P>

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<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">On August 20, 2010, the Bank formed UCNB 1031 Exchange, LLC, for the purpose of providing customers 1031 exchange services. In August of 2011, the Bank liquidated this business. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Competitive pressures affect the Corporation&#146;s manner of conducting business. Competition stems not only from other commercial banks but also from other financial institutions such as savings banks, savings and loan associations, mortgage companies, leasing companies and various other financial service and advisory companies. Many of the financial institutions operating in the Corporation&#146;s primary market are substantially larger and offer a wider variety of products and services than the Corporation. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Supervision and Regulation </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The banking industry is highly regulated. Statutory and regulatory controls increase a bank holding company&#146;s cost of doing business and limit the options of its management to deploy assets and maximize income. The following discussion is not intended to be a complete list of all the activities regulated by the banking laws or of the impact of such laws and regulations on the Corporation or its Bank subsidiary. It is intended only to briefly summarize some material provisions. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Bank Holding Company Regulation </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Center Bancorp, Inc. is a bank holding company within the meaning of the Bank Holding Company Act of 1956 (the &#147;Holding Company Act&#148;). As a bank holding company, the Parent Corporation is supervised by the Board of Governors of the Federal Reserve System (&#147;FRB&#148;) and is required to file reports with the FRB and provide such additional information as the FRB may require. The Parent Corporation and it subsidiaries are subject to examination by the FRB. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Holding Company Act prohibits the Corporation, with certain exceptions, from acquiring direct or indirect ownership or control of more than five percent of the voting shares of any company which is not a bank and from engaging in any business other than that of banking, managing and controlling banks or furnishing services to subsidiary banks, except that it may, upon application, engage in, and may own shares of companies engaged in, certain businesses found by the FRB to be so closely related to banking &#147;as to be a proper incident thereto.&#148; The Holding Company Act requires prior approval by the FRB of the acquisition by Center
Bancorp, Inc. of more than five percent of the voting stock of any other bank. Satisfactory capital ratios and Community Reinvestment Act ratings and anti-money laundering policies are generally prerequisites to obtaining federal regulatory approval to make acquisitions. The policy of the FRB provides that a bank holding company is expected to act as a source of financial strength to its subsidiary bank and to commit resources to support the subsidiary bank in circumstances in which it might not do so absent that policy. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Acquisitions through Union Center National Bank require approval of the Office of the Comptroller of the Currency of the United States (&#147;OCC&#148;). The Holding Company Act does not place territorial restrictions on the activities of non-bank subsidiaries of bank holding companies. The Gramm-Leach-Bliley Act, discussed below, allows the Corporation to expand into insurance, securities, merchant banking activities, and other activities that are financial in nature. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994 (&#147;Interstate Banking and Branching Act&#148;) enables bank holding companies to acquire banks in states other than their home state, regardless of applicable state law. The Interstate Banking and Branching Act also authorizes banks to merge across state lines, thereby creating interstate banks with branches in more than one state. Under the legislation, each state had the opportunity to &#147;opt-out&#148; of this provision. Furthermore, a state may &#147;opt-in&#148; with respect to <I>de novo</I> branching, thereby permitting a bank to open new branches in a state in which
the bank does not already have a branch. Without <I>de novo</I> branching, an out-of-state commercial bank can enter the state only by acquiring an existing bank or branch. The vast majority of states have allowed interstate banking by merger but have not authorized <I>de novo</I> branching. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">New Jersey enacted legislation to authorize interstate banking and branching and the entry into New Jersey of foreign country banks. New Jersey did not authorize <I>de novo</I> branching into the state. However, under federal law, federal savings banks which meet certain conditions may branch <I>de novo</I> into a state, regardless of state law. The Dodd-Frank Wall Street Reform and Consumer Protection Act (the &#147;Dodd-Frank Act&#148;, described in more detail below) removes the restrictions on interstate branching contained in the Interstate Banking and Branching Act, and allows national banks and state banks to establish branches </P>

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<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">in any state if, under the laws of the state in which the branch is to be located, a state bank chartered by that state would be permitted to establish the branch. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Regulation of Bank Subsidiary </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The operations of the Bank are subject to requirements and restrictions under federal law, including requirements to maintain reserves against deposits, restrictions on the types and amounts of loans that may be granted, and limitations on the types of investments that may be made and the types of services which may be offered. Various consumer laws and regulations also affect the operations of the Bank. Approval of the Comptroller of the Currency is required for branching, bank mergers in which the continuing bank is a national bank and in connection with certain fundamental corporate changes affecting the Bank. There are various legal limitations,
including Sections 23A and 23B of the Federal Reserve Act, which govern the extent to which a bank subsidiary may finance or otherwise supply funds to its holding company or its holding company&#146;s non-bank subsidiaries. Under federal law, no bank subsidiary may, subject to certain limited exceptions, make loans or extensions of credit to, or investments in the securities of, its parent or the non-bank subsidiaries of its parent (other than direct subsidiaries of such bank which are not financial subsidiaries) or take their securities as collateral for loans to any borrower. Each bank subsidiary is also subject to collateral security requirements for any loans or extensions of credit permitted by such exceptions. </P>

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<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Dodd-Frank Act, adopted in 2010, is expected to have a broad impact on the financial services industry, as a result of the significant regulatory and compliance changes made by the Dodd-Frank Act, including, among other things, (i) enhanced resolution authority over troubled and failing banks and their holding companies; (ii) increased capital and liquidity requirements; (iii) increased regulatory examination fees; (iv) changes to assessments to be paid to the FDIC for federal deposit insurance; and (v) numerous other provisions designed to improve supervision and oversight of, and strengthening safety and soundness for, the financial services
sector. Additionally, the Dodd-Frank Act establishes a new framework for systemic risk oversight within the financial system to be distributed among new and existing federal regulatory agencies, including the Financial Stability Oversight Council, the Federal Reserve, the OCC and the FDIC. A summary of certain provisions of the Dodd-Frank Act is set forth below: </P>

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          <TD STYLE="text-align: left"><I>Minimum Capital Requirements.</I>&nbsp;&nbsp;The Dodd-Frank Act requires new capital rules and the application of the same leverage and risk-based capital requirements that apply to insured depository institutions to most bank holding companies. In addition to making bank holding companies subject to the same capital requirements as their bank subsidiaries, these provisions (often referred to as the Collins Amendment to the Dodd-Frank Act) were also intended to eliminate or significantly reduce the use of hybrid capital instruments, especially trust preferred securities, as regulatory capital. Under the Collins Amendment, trust preferred securities issued by a bank holding company such as Center Bancorp (with total consolidated assets between $500 million and $15 billion) before May 19, 2010 and treated as regulatory capital are grandfathered, but any such securities issued later are not eligible as regulatory capital. On June 14, 2011, the
federal banking agencies published a final rule regarding minimum leverage and risk-based capital requirements for banks and bank holding companies consistent with the requirements of the Dodd-Frank Act. The Dodd-Frank Act also requires banking regulators to seek to make capital standards countercyclical, so that the required levels of capital increase in times of economic expansion and decrease in times of economic contraction. </TD>

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          <TD STYLE="text-align: left"><I>The Consumer Financial Protection Bureau (&#147;Bureau&#148;).</I>&nbsp;&nbsp;The Dodd-Frank Act created the Bureau within the Federal Reserve. The Bureau is tasked with establishing and implementing rules and regulations under certain federal consumer protection laws with respect to the conduct of providers of certain consumer financial products and services. The Bureau has rulemaking authority over many of the statutes governing products and services offered to bank consumers. In addition, the Dodd-Frank Act permits states to adopt consumer protection laws and regulations that are more stringent than those regulations promulgated by the Bureau and state attorneys general are permitted to enforce consumer protection rules adopted by the Bureau against state-chartered institutions. The </TD>

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          <TD STYLE="text-align: left">Consumer Financial Protection Bureau has examination and enforcement authority over all banks and savings institutions with more than $10 billion in assets. Institutions with $10 billion or less in assets, such as the Bank, will continue to be examined for compliance with the consumer laws by their primary bank regulators. </TD>

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          <TD STYLE="text-align: left"><I>Deposit Insurance.</I>&nbsp;&nbsp;The Dodd-Frank Act makes permanent the $250,000 deposit insurance limit for insured deposits. Amendments to the Federal Deposit Insurance Act also revise the assessment base against which an insured depository institution&#146;s deposit insurance premiums paid to the Deposit Insurance Fund (&#147;DIF&#148;) will be calculated. Under the amendments, the assessment base will no longer be the institution&#146;s deposit base, but rather its average consolidated total assets less its average tangible equity during the assessment period. Additionally, the Dodd-Frank Act makes changes to the minimum designated reserve ratio of the DIF, increasing the minimum from 1.15 percent to 1.35 percent of the estimated amount of total insured deposits and eliminating the requirement that the FDIC pay dividends to depository institutions when the reserve ratio exceeds certain thresholds. In December 2010, the FDIC increased
the designated reserve ratio to 2.0 percent. </TD>

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          <TD STYLE="text-align: left"><I>Shareholder Votes</I>.&nbsp;&nbsp;The Dodd-Frank Act requires publicly traded companies like Center Bancorp to give shareholders a non-binding vote on executive compensation and so-called &#147;golden parachute&#148; payments in certain circumstances. The Dodd-Frank Act also authorizes the SEC to promulgate rules that would allow shareholders to nominate their own candidates using a company&#146;s proxy materials. </TD>

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          <TD STYLE="text-align: left"><I>Transactions with Affiliates.</I>&nbsp;&nbsp;The Dodd-Frank Act enhances the requirements for certain transactions with affiliates under Section 23A and 23B of the Federal Reserve Act, including an expansion of the definition of &#147;covered transactions&#148; and increasing the amount of time for which collateral requirements regarding covered transactions must be maintained. These requirements became effective during 2011. </TD>

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          <TD STYLE="text-align: left"><I>Transactions with Insiders.</I>&nbsp;&nbsp;Insider transaction limitations are expanded through the strengthening of loan restrictions to insiders and the expansion of the types of transactions subject to the various limits, including derivative transactions, repurchase agreements, reverse repurchase agreements and securities lending or borrowing transactions. Restrictions are also placed on certain asset sales to and from an insider to an institution, including requirements that such sales be on market terms and, in certain circumstances, approved by the institution&#146;s board of directors. These requirements became effective during 2011. </TD>

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          <TD STYLE="text-align: left"><I>Enhanced Lending Limits.</I>&nbsp;&nbsp;The Dodd-Frank Act strengthened the previous limits on a depository institution&#146;s credit exposure to one borrower which limited a depository institution&#146;s ability to extend credit to one person (or group of related persons) in an amount exceeding certain thresholds. The Dodd-Frank Act expanded the scope of these restrictions to include credit exposure arising from derivative transactions, repurchase agreements, and securities lending and borrowing transactions. </TD>

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          <TD STYLE="text-align: left"><I>Compensation Practices</I>.&nbsp;&nbsp;The Dodd-Frank Act provides that the appropriate federal regulators must establish standards prohibiting as an unsafe and unsound practice any compensation plan of a bank holding company or other &#147;covered financial institution&#148; that provides an insider or other employee with &#147;excessive compensation&#148; or compensation that gives rise to excessive risk or could lead to a material financial loss to such firm. In June 2010, prior to the Dodd-Frank Act, the bank regulatory agencies promulgated the <I>Interagency Guidance on Sound Incentive Compensation Policies</I>, which set forth three key principles concerning incentive compensation arrangements: </TD>

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          <TD STYLE="text-align: left">such arrangements should provide employees incentives that balance risk and financial results in a manner that does not encourage employees to expose the financial institution to imprudent risk; </TD>

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          <TD STYLE="width: 41px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">such arrangements should be compatible with effective controls and risk management; and </TD>

</TR>

</TABLE>

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          <TD STYLE="width: 41px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">such arrangements should be supported by strong corporate governance with effective and active oversight by the financial institution&#146;s board of directors. </TD>

</TR>

</TABLE>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">5</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

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<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Together, the Dodd-Frank Act and the recent guidance on compensation may impact the Corporation&#146;s compensation practices. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Although a significant number of the rules and regulations mandated by the Dodd-Frank Act have been finalized, many of the new requirements called for have yet to be implemented and will likely be subject to implementing regulations over the course of several years. Given the uncertainty associated with the manner in which the provisions of the Dodd-Frank Act will be implemented by the various regulatory agencies, the full extent of the impact such requirements will have on financial institutions&#146; operations is unclear. The changes resulting from the Dodd-Frank Act may impact the profitability of our business activities, require changes to
certain of our business practices, impose upon us more stringent capital, liquidity and leverage ratio requirements or otherwise adversely affect our business. These changes may also require us to invest significant management attention and resources to evaluate and make necessary changes in order to comply with new statutory and regulatory requirements. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Regulation W </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Regulation W codifies prior regulations under Sections 23A and 23B of the Federal Reserve Act and interpretative guidance with respect to affiliate transactions. Regulation W incorporates the exemption from the affiliate transaction rules but expands the exemption to cover the purchase of any type of loan or extension of credit from an affiliate. Affiliates of a bank include, among other entities, the bank&#146;s holding company and companies that are under common control with the bank. The Parent Corporation is considered to be an affiliate of the Bank. In general, subject to certain specified exemptions, a bank or its subsidiaries are limited in
their ability to engage in &#147;covered transactions&#148; with affiliates: </P>

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">to an amount equal to 10% of the bank&#146;s capital and surplus, in the case of covered transactions with any one affiliate; and </TD>

</TR>

</TABLE>

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          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">to an amount equal to 20% of the bank&#146;s capital and surplus, in the case of covered transactions with all affiliates </TD>

</TR>

</TABLE>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In addition, a bank and its subsidiaries may engage in covered transactions and other specified transactions only on terms and under circumstances that are substantially the same, or at least as favorable to the bank or its subsidiary, as those prevailing at the time for comparable transactions with nonaffiliated companies. A &#147;covered transaction&#148; includes: </P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">a loan or extension of credit to an affiliate; </TD>

</TR>

</TABLE>

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">a purchase of, or an investment in, securities issued by an affiliate; </TD>

</TR>

</TABLE>

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">a purchase of assets from an affiliate, with some exceptions; </TD>

</TR>

</TABLE>

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">the acceptance of securities issued by an affiliate as collateral for a loan or extension of credit to any party; and </TD>

</TR>

</TABLE>

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">the issuance of a guarantee, acceptance or letter of credit on behalf of an affiliate. </TD>

</TR>

</TABLE>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Further, under regulation W: </P>

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">a bank and its subsidiaries may not purchase a low-quality asset from an affiliate; </TD>

</TR>

</TABLE>

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">covered transactions and other specified transactions between a bank or its subsidiaries and an affiliate must be on terms and conditions that are consistent with safe and sound banking practices; and </TD>

</TR>

</TABLE>

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">with some exceptions, each loan or extension of credit by a bank to an affiliate must be secured by certain types of collateral with a market value ranging from 100% to 130%, depending on the type of collateral, of the amount of the loan or extension of credit </TD>

</TR>

</TABLE>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Regulation W generally excludes all non-bank and non-savings association subsidiaries of banks from treatment as affiliates, except to the extent that the Federal Reserve Board decides to treat these subsidiaries as affiliates. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">6</P>

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<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Capital Adequacy Guidelines </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Federal Reserve Board has adopted risk-based capital guidelines. These guidelines establish minimum levels of capital and require capital adequacy to be measured in part upon the degree of risk associated with certain assets. Under these guidelines all banks and bank holding companies must have a core or Tier 1 capital to risk-weighted assets ratio of at least 4% and a total capital to risk-weighted assets ratio of at least 8%. At December 31, 2011, the Corporation&#146;s Tier 1 capital to risk-weighted assets ratio and total capital to risk-weighted assets ratio were 12.00 percent and 12.89 percent, respectively. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In addition, the Federal Reserve Board and the FDIC have approved leverage ratio guidelines (Tier 1 capital to average quarterly assets, less goodwill) for bank holding companies such as the Parent Corporation. These guidelines provide for a minimum leverage ratio of 3% for bank holding companies that meet certain specified criteria, including that they have the highest regulatory rating. All other holding companies are required to maintain a leverage ratio of 3% plus an additional cushion of at least 100 to 200 basis points. The Parent Corporation&#146;s leverage ratio was 9.29 percent at December 31, 2011. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The OCC has established higher minimum capital ratios for the Bank effective as of December 31, 2009. See &#147;FDICIA&#148;. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Under FDICIA, federal banking agencies have established certain additional minimum levels of capital. See &#147;FDICIA&#148;. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">FDICIA </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Pursuant to the Federal Deposit Insurance Corporation Improvement Act of 1991 (&#147;FDICIA&#148;), each federal banking agency has promulgated regulations, specifying the levels at which a financial institution would be considered &#147;well capitalized,&#148; &#147;adequately capitalized,&#148; &#147;undercapitalized,&#148; &#147;significantly undercapitalized,&#148; or &#147;critically undercapitalized,&#148; and to take certain mandatory and discretionary supervisory actions based on the capital level of the institution. To qualify to engage in financial activities under the Gramm-Leach-Bliley Act, all depository institutions must be &#147;well
capitalized.&#148; </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The OCC&#146;s regulations implementing these provisions of FDICIA provide that an institution will be classified as &#147;well capitalized&#148; if it (i) has a total risk-based capital ratio of at least 10.0 percent, (ii) has a Tier 1 risk-based capital ratio of at least 6.0 percent, (iii) has a Tier 1 leverage ratio of at least 5.0 percent, and (iv) meets certain other requirements. An institution will be classified as &#147;adequately capitalized&#148; if it (i) has a total risk-based capital ratio of at least 8.0 percent, (ii) has a Tier 1 risk-based capital ratio of at least 4.0 percent, (iii) has a Tier 1 leverage ratio of (a) at least 4.0
percent or (b) at least 3.0 percent if the institution was rated 1 in its most recent examination, and (iv) does not meet the definition of &#147;well capitalized.&#148; An institution will be classified as &#147;undercapitalized&#148; if it (i) has a total risk-based capital ratio of less than 8.0 percent, (ii) has a 1 risk-based capital ratio of less than 4.0 percent, or (iii) has a Tier 1 leverage ratio of (a) less than 4.0 percent or (b) less than 3.0 percent if the institution was rated 1 in its most recent examination. An institution will be classified as &#147;significantly undercapitalized&#148; if it (i) has a total risk-based capital ratio of less than 6.0 percent, (ii) has a Tier 1 risk-based capital ratio of less than 3.0 percent, or (iii) has a Tier 1 leverage ratio of less than 3.0 percent. An institution will be classified as &#147;critically undercapitalized&#148; if it has a tangible equity to total assets ratio that is equal to or less than 2.0 percent. An insured
depository institution may be deemed to be in a lower capitalization category if it receives an unsatisfactory examination rating. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The OCC has established higher minimum capital ratios for the Bank effective as of December 31, 2009: Tier 1 Risk-Based Capital of 10.0 percent, Total Risk-Based Capital of 12.0 percent and Tier 1 Leverage Capital of 8.0 percent. At December 31, 2011, the Bank&#146;s capital ratios were all above the minimum levels required. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In addition, significant provisions of FDICIA required federal banking regulators to impose standards in a number of other important areas to assure bank safety and soundness, including internal controls, information systems and internal audit systems, credit underwriting, asset growth, compensation, loan documentation and interest rate exposure. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">7</P>

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<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Additional Regulation of Capital </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The federal regulatory authorities&#146; risk-based capital guidelines are based upon the 1988 capital accord (&#147;Basel I&#148;) of the Basel Committee on Banking Supervision (the &#147;Basel Committee&#148;). The Basel Committee is a committee of central banks and bank supervisors/regulators from the major industrialized countries that develops broad policy guidelines for use by each country&#146;s supervisors in determining the supervisory policies and regulations to which they apply. Actions of the Committee have no direct effect on banks in participating countries. In 2004, the Basel Committee published a new capital accord (&#147;Basel
II&#148;) to replace Basel I. Basel II provides two approaches for setting capital standards for credit risk&nbsp;&#151;&nbsp;an internal ratings-based approach tailored to individual institutions&#146; circumstances and a standardized approach that bases risk weightings on external credit assessments to a much greater extent than permitted in existing risk-based capital guidelines. Basel II also would set capital requirements for operational risk and refine the existing capital requirements for market risk exposures. The Corporation is not required to comply with the advanced approaches of Basel II. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In 2009, the United States Treasury Department issued a policy statement (the &#147;Treasury Policy Statement&#148;) entitled &#147;Principles for Reforming the U.S. and International Regulatory Capital Framework for Banking Firms,&#148; which contemplates changes to the existing regulatory capital regime involving substantial revisions to major parts of the Basel I and Basel II capital frameworks and affecting all regulated banking organizations. The Treasury Policy Statement calls for, among other things, higher and stronger capital requirements for all banking firms, with changes to the regulatory capital framework to be phased in over a period of
several years. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">On December 17, 2009, the Basel Committee issued a set of proposals (the &#147;2009 Capital Proposals&#148;) that would significantly revise the definitions of Tier 1 capital and Tier 2 capital. Among other things, the 2009 Capital Proposals would re-emphasize that common equity is the predominant component of Tier 1 capital. Concurrently with the release of the 2009 Capital Proposals, the Basel Committee also released a set of proposals related to liquidity risk exposure (the &#147;2009 Liquidity Proposals&#148;). The 2009 Liquidity Proposals include the implementation of (i) a &#147;liquidity coverage ratio&#148; or LCR, designed to ensure that a
bank maintains an adequate level of unencumbered, high-quality assets sufficient to meet the bank&#146;s liquidity needs over a 30-day time horizon under an acute liquidity stress scenario and (ii) a &#147;net stable funding ratio&#148; or NSFR, designed to promote more medium and long-term funding of the assets and activities of banks over a one-year time horizon. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Dodd-Frank Act includes certain provisions, often referred to as the &#147;Collins Amendment,&#148; concerning the capital requirements of the United States banking regulators. These provisions are intended to subject bank holding companies to the same capital requirements as their bank subsidiaries and to eliminate or significantly reduce the use of hybrid capital instruments, especially trust preferred securities, as regulatory capital. Under the Collins Amendment, trust preferred securities issued by a company, such as Union Center National Bank, with total consolidated assets of less than $15 billion before May 19, 2010 are treated as
regulatory capital, but any such securities issued later are not eligible as regulatory capital. The banking regulators must develop regulations setting minimum risk-based and leverage capital requirements for holding companies and banks on a consolidated basis that are no less stringent than the generally applicable requirements in effect for depository institutions under the prompt corrective action regulations. The banking regulators also must seek to make capital standards countercyclical so that the required levels of capital increase in times of economic expansion and decrease in times of economic contraction. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">On December 20, 2011, the Federal Reserve issued a proposed rule designed to implement provisions of the Dodd-Frank Act to establish stricter prudential standards for all bank holding companies with total consolidated assets of $50 billion or more for certain nonbank financial firms. The proposed rule requires firms to develop annual capital plans, conduct stress tests, and maintain adequate capital, including a tier one common risk-based capital ratio greater than 5 percent, under both expected and stressed conditions. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In December 2010 and January 2011, the Basel Committee published the final texts of reforms on capital and liquidity generally referred to as &#147;Basel III.&#148; Although Basel III is intended to be implemented by participating countries for large, internationally active banks, its provisions are likely to be considered by </P>

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<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">United States banking regulators in developing new regulations applicable to other banks in the United States, including Union Center National Bank. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">For banks in the United States, among the most significant provisions of Basel III concerning capital are the following: </P>

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          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">A minimum ratio of common equity to risk-weighted assets reaching 4.5%, plus an additional 2.5% as a capital conservation buffer, by 2019 after a phase-in period. </TD>

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          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">A minimum ratio of Tier 1 capital to risk-weighted assets reaching 6.0% by 2019 after a phase-in period. </TD>

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          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">A minimum ratio of total capital to risk-weighted assets, plus the additional 2.5% capital conservation buffer, reaching 10.5% by 2019 after a phase-in period. </TD>

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          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">An additional countercyclical capital buffer to be imposed by applicable national banking regulators periodically at their discretion, with advance notice. </TD>

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          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">Restrictions on capital distributions and discretionary bonuses applicable when capital ratios fall within the buffer zone. </TD>

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          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">Deduction from common equity of deferred tax assets that depend on future profitability to be realized. </TD>

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          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">Increased capital requirements for counterparty credit risk relating to OTC derivatives, repos and securities financing activities. </TD>

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          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">For capital instruments issued on or after January 13, 2013 (other than common equity), a loss-absorbency requirement such that the instrument must be written off or converted to common equity if a trigger event occurs, either pursuant to applicable law or at the direction of the banking regulator. A trigger event is an event under which the banking entity would become nonviable without the write-off or conversion, or without an injection of capital from the public sector. The issuer must maintain authorization to issue the requisite shares of common equity if conversion were required. </TD>

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<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Federal Deposit Insurance and Premiums </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Substantially all of the deposits of the Bank are insured up to applicable limits by the Deposit Insurance Fund (&#147;DIF&#148;) of the FDIC and are subject to deposit insurance assessments to maintain the DIF. As a result of the Dodd-Frank Act, the basic federal deposit insurance limit was permanently increased from at least $100,000 to at least $250,000. In addition, on November 9, 2010 and January 18, 2011, the FDIC (as mandated by Section 343 of the Dodd-Frank Act) adopted rules providing for unlimited deposit insurance for traditional noninterest-bearing transaction accounts and IOLTA accounts beginning December 31, 2010 until December 31,
2012. This coverage, which applies to all insured deposit institutions, does not charge any additional FDIC assessment to the institution. Furthermore, this unlimited coverage is separate from, and in addition to, the coverage provided to depositors with respect to other accounts held at an insured institution. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">On May 22, 2009, the Board of Directors of the FDIC adopted a final rule imposing a special assessment on the entire banking industry. The special assessment was calculated as five basis points times each insured depository institution&#146;s assets minus Tier I capital, as reported in the report of condition as of June 30, 2009 and would not exceed ten times the institution&#146;s assessment base for the second quarter of 2009 risk- based assessment. This special assessment, which totaled $1.2 million, was remitted by the Bank on September 30, 2009. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">On November 12, 2009, the FDIC adopted the final rule which required insured depository institutions to prepay their quarterly risk-based assessments for the fourth quarter of 2009 through the fourth quarter of 2012. On December 30, 2009, the Bank remitted an FDIC prepayment in the amount of $5.7 million. An institution&#146;s prepaid assessment was based on the total base assessment rate that the institution paid for the third quarter of 2009, adjusted quarterly by an estimated annual growth rate of 5% through the end of 2012, plus, for 2011 and 2012, an increase in the total base assessment rate on September 30, 2009 by an annualized three basis
points. Any prepaid assessment in excess of the amounts that are subsequently determined to be </P>

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<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">actually due to the FDIC by June 30, 2013, will be returned to the institution at that time. As of December 31, 2011 the Bank recognized a total of $3.8 million in FDIC expense of the $5.7 million assessments prepaid on December 30, 2009. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">On February 7, 2011, the FDIC approved a rule to change the assessment base from adjusted domestic deposits to average consolidated total assets minus average tangible equity, as required by the Dodd-Frank Act. These new assessment rates began in the second quarter of 2011 and were paid at the end of September 2011. Since the new base is larger than the current base, the FDIC&#146;s rule lowers total base assessment rates to between 5 and 9 basis points for banks in the lowest risk category, and 35 basis points for banks in the highest risk category. The Company paid $1.7 million in 2011, as compared to $2.1 million in 2010. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Pursuant to the Dodd-Frank Act, the FDIC has established 2.0% as the designated reserve ratio (DRR), that is, the ratio of the DIF to insured deposits. The FDIC has adopted a plan under which it will meet the statutory minimum DRR of 1.35% by September 30, 2020, the deadline imposed by the Dodd-Frank Act. The Dodd-Frank requires the FDIC to offset the effect on institutions with assets less than $10 billion of the increase in the statutory minimum DRR to 1.35% from the former statutory minimum of 1.15%. The FDIC has not yet announced how it will implement this offset. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In addition to deposit insurance assessments, the FDIC is required to continue to collect from institutions payments for the servicing of obligations of the Financing Corporation (&#147;FICO&#148;) that were issued in connection with the resolution of savings and loan associations, so long as such obligations remain outstanding. The Bank paid a FICO premium of $84,000 in 2011 and expects to pay a similar premium in 2012. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Gramm-Leach-Bliley Financial Modernization Act of 1999 </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Gramm-Leach-Bliley Financial Modernization Act of 1999: </P>

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          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">allows bank holding companies meeting management, capital, and Community Reinvestment Act standards to engage in a substantially broader range of non-banking activities than previously was permissible, including insurance underwriting and making merchant banking investments in commercial and financial companies; if a bank holding company elects to become a financial holding company, it files a certification, effective in 30 days, and thereafter may engage in certain financial activities without further approvals; </TD>

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          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">allows insurers and other financial services companies to acquire banks; </TD>

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">removes various restrictions that previously applied to bank holding company ownership of securities firms and mutual fund advisory companies; and </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">establishes the overall regulatory structure applicable to bank holding companies that also engage in insurance and securities operations. </TD>

</TR>

</TABLE>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Modernization Act also modified other financial laws, including laws related to financial privacy and community reinvestment. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Community Reinvestment Act </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Under the Community Reinvestment Act (&#147;CRA&#148;), as implemented by OCC regulations, a national bank has a continuing and affirmative obligation consistent with its safe and sound operation to help meet the credit needs of its entire community, including low and moderate income neighborhoods. The CRA does not establish specific lending requirements or programs for financial institutions nor does it limit an institution&#146;s discretion to develop the types of products and services that it believes are best suited to its particular community, consistent with the CRA. The CRA requires the OCC, in connection with its examination of a national
bank, to assess the bank&#146;s record of meeting the credit needs of its community and to take such record into account in its evaluation of certain applications by such bank. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">10</P>

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<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">USA PATRIOT Act </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001 (the &#147;USA PATRIOT Act&#148;) gives the federal government powers to address terrorist threats through domestic security measures, surveillance powers, information sharing, and anti-money laundering requirements. By way of amendments to the Bank Secrecy Act, the USA PATRIOT Act encourages information-sharing among bank regulatory agencies and law enforcement bodies. Further, certain provisions of the USA PATRIOT Act impose affirmative obligations on a broad range of financial institutions, including banks, thrift
institutions, brokers, dealers, credit unions, money transfer agents and parties registered under the Commodity Exchange Act. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Among other requirements, the USA PATRIOT Act imposes the following requirements with respect to financial institutions: </P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">All financial institutions must establish anti-money laundering programs that include, at a minimum: (i) internal policies, procedures, and controls; (ii) specific designation of an anti-money laundering compliance officer; (iii) ongoing employee training programs; and (iv) an independent audit function to test the anti-money laundering program. </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">The Secretary of the Department of Treasury, in conjunction with other bank regulators, is authorized to issue regulations that provide for minimum standards with respect to customer identification at the time new accounts are opened. </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">Financial institutions that establish, maintain, administer, or manage private banking accounts or correspondence accounts in the United States for non-United States persons or their representatives (including foreign individuals visiting the United States) are required to establish appropriate, specific and, where necessary, enhanced due diligence policies, procedures, and controls designed to detect and report money laundering. </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">Financial institutions are prohibited from establishing, maintaining, administering or managing correspondent accounts for foreign shell banks (foreign banks that do not have a physical presence in any country), and will be subject to certain record keeping obligations with respect to correspondent accounts of foreign banks. </TD>

</TR>

</TABLE>

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<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">Bank regulators are directed to consider a holding company&#146;s effectiveness in combating money laundering when ruling on Federal Reserve Act and Bank Merger Act applications. </TD>

</TR>

</TABLE>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The United States Treasury Department has issued a number of implementing regulations which address various requirements of the USA PATRIOT Act and are applicable to financial institutions such as the Bank. These regulations impose obligations on financial institutions to maintain appropriate policies, procedures and controls to detect, prevent and report money laundering and terrorist financing and to verify the identity of their customers. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Sarbanes-Oxley Act of 2002 </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The stated goals of the Sarbanes-Oxley Act of 2002 (the &#147;SOA&#148;) were to increase corporate responsibility, to provide for enhanced penalties for accounting and auditing improprieties by publicly traded companies and to protect investors by improving the accuracy and reliability of corporate disclosures pursuant to the securities laws. The SOA generally applies to all companies, both U.S. and non-U.S., that file or are required to file periodic reports with the Securities and Exchange Commission (the &#147;SEC&#148;) under the Securities Exchange Act of 1934 (the &#147;Exchange Act&#148;). The SOA includes specific disclosure requirements and
corporate governance rules, requires the SEC and securities exchanges to adopt extensive additional disclosure, corporate governance and other related rules and mandates further studies of certain issues by the SEC </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">TARP and SBLF </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In January 2009, the Parent Corporation issued $10.0 million of its nonvoting non-convertible senior preferred stock (the &#147;TARP Preferred Stock&#148;) to the United States Treasury pursuant to Congress&#146; Troubled Asset Relief Program (&#147;TARP&#148;). </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">11</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">On September 15, 2011, the Parent Corporation entered into and consummated the transactions contemplated by a Securities Purchase Agreement (the &#147;Securities Purchase Agreement&#148;) with the Secretary of the Treasury (the &#147;Secretary&#148;) under the Small Business Lending Fund program (the &#147;SBLF Program&#148;), a $30 billion fund established under the Small Business Jobs Act of 2010 that is designed to encourage lending to small businesses by providing capital to qualified community banks with assets of less than $10 billion. Under the Securities Purchase Agreement, the Parent Corporation issued to the Secretary a total of 11,250
shares of the Parent Corporation&#146;s Senior Non-Cumulative Perpetual Preferred Stock, Series B (the &#147;SBLF Preferred Stock&#148;), having a liquidation value of $1,000 per share, for a total purchase price of $11,250,000. The SBLF Preferred Stock was issued pursuant to a Certificate of Amendment to the Parent Corporation&#146;s Certificate of Incorporation (the &#147;Certificate of Amendment&#148;) filed on September 13, 2011. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The SBLF Preferred Stock qualifies as Tier 1 capital. Non-cumulative dividends are payable quarterly on January 1, April 1, July 1 and October 1 for the SBLF Preferred Stock, commencing on January 1, 2012. The dividend rate is calculated as a percentage of the aggregate liquidation value of the outstanding SBLF Preferred Stock and is based on changes in the level of &#147;Qualified Small Business Lending&#148; or &#147;QSBL&#148; (as defined in the Certificate of Amendment) by the Bank, compared to the Bank&#146;s baseline QSBL level. Based upon the Bank&#146;s initial level of QSBL compared to the baseline, as calculated under the Securities
Purchase Agreement, the dividend rate on the SBLF Preferred Stock was set at five percent for the initial dividend period. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">For the second through tenth calendar quarters after the closing of the SBLF Program transaction, the dividend rate will fluctuate between one percent and five percent to reflect the amount of change in the Bank&#146;s level of QSBL compared to the initial baseline. More specifically, if the Bank&#146;s QSBL at the end of a quarter has increased as compared to the baseline, then the dividend rate payable on the SBLF Preferred Stock would change as follows: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="290"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="248"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>Relative Increase in QSBL to Baseline</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Dividend Rate<BR> (for each of the 2<sup>nd</sup>&nbsp;&#150;&nbsp;10<sup>th</sup> Dividend Periods)</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>0% or less</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>More than 0%, but less than 2.5%</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2.5% or more, but less than 5%</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>5% or more, but less than 7.5%</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>7.5% or more, but less than 10%</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>10% or more</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">From the eleventh through the eighteenth calendar quarters and that portion of the nineteenth calendar quarter which ends immediately prior to the date that is the four and one half years anniversary of the closing of the SBLF Program transaction, the dividend rate on the SBLF Preferred Stock will be fixed at between one percent and seven percent based on the level of QSBL at that time, as compared to the baseline in accordance with the chart below. If any SBLF Preferred Stock remains outstanding after four and one half years following the closing of the SBLF Program transaction, the dividend rate will increase to nine percent. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="290"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="248"></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>0% or less</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>More than 0%, but less than 2.5%</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2.5% or more, but less than 5%</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>5% or more, but less than 7.5%</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>7.5% or more, but less than 10%</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>10% or more</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The SBLF Preferred Stock is non-voting, except in limited circumstances that could impact the SBLF investment, such as (i) authorization of senior stock, (ii) charter amendments adversely affecting the SBLF Preferred Stock and (iii) extraordinary transactions such as mergers, asset sales, share exchanges and the like (unless the SBLF Preferred Stock remains outstanding and the rights and preferences thereof are not impaired by such transaction). </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">12</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In the event the Company misses five dividend payments, whether or not consecutive, the holder of the SBLF Preferred Stock will have the right, but not the obligation, to appoint a representative as an &#147;observer&#148; on the Company&#146;s Board of Directors. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Further, the SBLF Preferred Stock may be redeemed by the Company at any time, at a redemption price of 100% of the liquidation amount plus accrued but unpaid dividends for the then current Dividend Period (as defined in the Certificate of Amendment) (plus, the CPP Lending Incentive Fees (as defined in the Certificate of Amendment), if applicable), subject to the approval of the Company&#146;s federal banking regulator. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The SBLF Preferred Stock is not subject to any contractual restrictions on transfer and thus the Secretary may sell, transfer, exchange or enter into other transactions with respect to the SBLF Preferred Stock without the Company&#146;s consent. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Parent Corporation used the proceeds from the issuance of the SBLF Preferred to redeem from the Treasury all shares issued by the Parent Corporation pursuant to TARP, for a redemption price of $10,041,667, including accrued but unpaid dividends up to the date of redemption. As a result of the redemption of the TARP Preferred Stock, the Company is no longer subject to the limits on executive compensation and other restrictions stipulated under the TARP Capital Purchase Program. For an additional $245,000, the Parent Corporation also bought back the warrants issued under TARP </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Proposed Legislation </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">From time to time proposals are made in the U.S. Congress and before various bank regulatory authorities, which would alter the policies of and place restrictions on different types of banking operations. It is impossible to predict the impact, if any, of potential legislative trends on the business of the Parent Corporation and the Bank. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Loans to Related Parties </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation&#146;s authority to extend credit to its directors and executive officers, as well as to entities controlled by such persons, is currently governed by the requirements of the National Bank Act, the Sarbanes-Oxley Act of 2002 and Regulation O of the Federal Reserve Bank. Among other things, these provisions require that extensions of credit to insiders (i) be made on terms that are substantially the same as, and follow credit underwriting procedures that are not less stringent than, those prevailing for comparable transactions with unaffiliated persons and that do not involve more than the normal risk of repayment or present other
unfavorable features and (ii) not exceed certain limitations on the amount of credit extended to such persons, individually and in the aggregate, which limits are based, in part, on the amount of the Corporation&#146;s capital. In addition, the Corporation&#146;s Board of Directors must approve extensions of credit in excess of certain limits. Under the SOA, the Corporation and its subsidiaries, other than Union Center National Bank, may not extend or arrange for any personal loans to its directors and executive officers. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Dividend Restrictions </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Parent Corporation is a legal entity separate and distinct from the Bank. Virtually all of the revenue of the Parent Corporation available for payment of dividends on its capital stock will result from amounts paid to the Parent Corporation by the Bank. All such dividends are subject to various limitations imposed by federal laws and by regulations and policies adopted by federal regulatory agencies. As a national bank, the Bank may not pay a dividend if it would impair the capital of the Bank. Furthermore, prior approval by the Comptroller of the Currency is required if the total of dividends declared in a calendar year exceeds the total of the
Bank&#146;s net profits for that year combined with the retained profits for the two preceding years. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">On September 15, 2011, the Parent Corporation issued $11.25 million in nonvoting senior preferred stock to the Treasury under the SBLF Program. Under the Securities Purchase Agreement, the Parent Corporation issued to the Treasury a total of 11,250 shares of the Corporation&#146;s Senior Non-Cumulative Perpetual Preferred Stock, Series B, having a liquidation value of $1,000 per share. Simultaneously, using the proceeds from the issuance of the SBLF Preferred Stock, the Parent Corporation redeemed from the Treasury, all 10,000 outstanding shares of its Fixed Rate Cumulative Perpetual Preferred Stock, Series A, liquidation amount $1,000 per share, for
a redemption price of $10,041,667, including accrued but unpaid dividends up to the date of redemption. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">13</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The terms of the SBLF Preferred Stock impose limits on the Parent Corporation&#146;s ability to pay dividends on and repurchase shares of its common stock and other securities. More specifically, if the Parent Corporation fails to declare and pay dividends on the SBLF Preferred Stock in a given quarter, then during such quarter and for the next three quarters following such missed dividend payment, the Parent Corporation may not pay dividends on, or repurchase, any common stock or any other securities that are junior to (or in parity with) the SBLF Preferred Stock, except in very limited circumstances. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Also under the terms of the SBLF Preferred Stock, the Parent Corporation may declare and pay dividends on its common stock or any other stock junior to the SBLF Preferred Stock, or repurchase shares of any such stock, only if after payment of such dividends or repurchase of such shares, the Parent Corporation&#146;s Tier 1 Capital would be at least equal to the so-called Tier 1 Dividend Threshold, excluding any subsequent net charge-offs and any redemption of the SBLF Preferred Stock. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">If, in the opinion of the OCC, a bank under its jurisdiction is engaged in or is about to engage in an unsafe or unsound practice (which could include the payment of dividends), the OCC may require, after notice and hearing, that such bank cease and desist from such practice or, as a result of an unrelated practice, require the bank to limit dividends in the future. The FRB has similar authority with respect to bank holding companies. In addition, the FRB and the OCC have issued policy statements which provide that insured banks and bank holding companies should generally only pay dividends out of current operating earnings. Regulatory pressures to
reclassify and charge off loans and to establish additional loan loss reserves can have the effect of reducing current operating earnings and thus impacting an institution&#146;s ability to pay dividends. Further, as described herein, the regulatory authorities have established guidelines with respect to the maintenance of appropriate levels of capital by a bank or bank holding company under their jurisdiction. Compliance with the standards set forth in these policy statements and guidelines could limit the amount of dividends which the Parent Corporation and the Bank may pay. Under FDICIA, banking institutions which are deemed to be &#147;undercapitalized&#148; will, in most instances, be prohibited from paying dividends. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Lending Guidelines; Real Estate Credit Management </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Credit risks are an inherent part of the lending function. The Corporation has set in place specific policies and guidelines to limit credit risks. The following describes the Corporation&#146;s credit management policy and identifies certain risk elements in its earning assets portfolio. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Credit Management </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The maintenance of comprehensive and effective credit policies is a paramount objective of the Corporation. Credit procedures are enforced by the department heads of the different lending units and are maintained at the senior administrative level as well as through internal control procedures. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Prior to extending credit, the Corporation&#146;s credit policy generally requires a review of the borrower&#146;s credit history, repayment capacity, collateral and purpose of each loan. Requests for most commercial and consumer loans are to be accompanied by financial statements and other relevant financial data for evaluation. After the granting of a loan or lending commitment, this financial data is typically updated and evaluated by the credit staff on a periodic basis for the purpose of identifying potential problems. Construction financing requires a periodic submission by the borrowers of sales/leasing status reports regarding their projects,
as well as, in most cases, inspections of the project sites by independent engineering firms and/or independent consultants. Advances are normally made only upon the satisfactory completion of periodic phases of construction. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Certain lending authorities are granted to loan officers based upon each officer&#146;s position and experience. However, large dollar loans and lending lines are reported to and are subject to the approval of the Bank&#146;s loan committees and/or board of directors. Either the Chairman of the Board or President chairs the loan committees. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">14</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation has established its own internal loan-to-value (&#147;LTV&#148;) limits for real estate loans. In general, except as described below, these internal limits are not permitted to exceed the following supervisory limits: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="466"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>Loan Category</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Loan-to-Value<BR> Limit</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Raw Land</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>65</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Land Development</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>75</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial, Multifamily and Other Non-residential construction</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>80</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Construction: One to Four Family Residential</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>85</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Improved Property (excluding One to Four Family Residential)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>85</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Owner-Occupied One to Four Family and Home Equity*</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>90</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>


<P STYLE="text-align: left; text-indent: 1px"><IMG SRC="line.gif" STYLE="width: 72px; height: 1pt"></P>

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          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">*</TD>

          <TD STYLE="text-align: left">For a permanent mortgage or home equity loan on owner occupied one to four family residential property with a LTV that exceeds 90 percent at origination, private mortgage insurance or readily marketable collateral is to be obtained. &#147;Readily marketable collateral&#148; means insured deposits, financial instruments and bullion in which the Bank has a perfected interest. Financial instruments and bullion are to be salable under ordinary circumstances with reasonable promptness at a fair market value. </TD>

</TR>

</TABLE>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">It may be appropriate in individual cases to originate loans with loan-to-value ratios in excess of the supervisory LTV limits, based on support provided by other credit factors. The President of the Bank must approve such non-conforming loans. The Bank must identify all non-conforming loans and their aggregate amount must be reported at least quarterly to the Directors&#146; Loan Committee. Non-conforming loans should not exceed 100% of capital, or 30% with respect to non one to four family residential loans. At present, management is unaware of any exceptions to supervisory LTV limits. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Collateral margin guidelines are based on cost, market or other appraised value to maintain a reasonable amount of collateral protection in relation to the inherent risk in the loan. This does not mitigate the fundamental analysis of cash flow from the conversion of assets in the normal course of business or from operations to repay the loan. It is merely designed to provide a cushion to minimize the risk of loss if the ultimate collection of the loan becomes dependent on the liquidation of security pledged. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation also seeks to minimize lending risk through loan diversification. The composition of the Corporation&#146;s commercial loan portfolio reflects and is highly dependent upon the economy and industrial make-up of the region it serves. Effective loan diversification spreads risk to many different industries, thereby reducing the impact of downturns in any specific industry on overall loan profitability. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Credit quality is monitored through an internal review process, which includes a credit Risk Grading System that facilitates the early detection of problem loans. Under this grading system, all commercial loans and commercial mortgage loans are graded in accordance with the risk characteristics inherent in each loan. Problem loans include non-accrual loans, and loans which conform to the regulatory definitions of criticized and classified loans. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">A Problem Asset Report is prepared monthly and is examined by the senior management of the Bank, the Corporation&#146;s Loan and Discount Committee and the Board of Directors. This review is designed to enable management to take such actions as are considered necessary to identify and remedy problems on a timely basis. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Bank&#146;s internal loan review process is complemented by an independent loan review conducted throughout the year, under the mandate and approval of the Corporation&#146;s Board of Directors. In addition, regularly scheduled audits performed by the Bank&#146;s internal audit function are designed to ensure the integrity of the credit and risk monitoring systems currently in place. </P>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Risk Elements </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The risk elements identified by the Corporation include non-performing loans, loans past due ninety days or more as to interest or principal payments but not placed on a non-accrual status, potential problem loans, other real estate owned, net, and other non-performing interest-earning assets. Additional information regarding these risk elements is presented in Item 7 of this Annual Report. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">15</P>

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<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#tRF"></a>Item 1A. Risk Factors </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">An investment in our common stock involves risks. Stockholders should carefully consider the risks described below, together with all other information contained in this Annual Report on Form 10-K, before making any purchase or sale decisions regarding our common stock. If any of the following risks actually occur, our business, financial condition or operating results may be harmed. In that case, the trading price of our common stock may decline, and stockholders may lose part or all of their investment in our common stock. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B><I>We are subject to stringent capital requirements which could require us to seek capital at times when capital may be expensive or unavailable to us.</I></B> </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">We may at some point be required to raise additional capital to assure compliance with mandated capital ratios and to support our continued growth. Our ability to raise additional capital, if needed, will depend on conditions in the capital markets at that time, which are outside our control, and on our financial performance. Accordingly, we cannot assure you of our ability to raise additional capital, if needed, on terms acceptable to us. If we cannot raise additional capital when needed, our ability to comply with applicable capital requirements and to further expand our operations through internal growth or acquisitions could be materially
impaired. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B><I>Negative developments in the financial services industry and U.S. and global credit markets in recent years may continue to adversely impact our operations and results.</I></B> </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The general economic downturn experienced since 2008 negatively impacted many financial institutions, including the Corporation. Loan portfolio performances deteriorated at many institutions resulting from, among other factors, a weak economy and a decline in the value of the collateral supporting their loans. The competition for our deposits increased significantly due to liquidity concerns at many of these same institutions. Stock prices of bank holding companies, like ours, were negatively affected by the condition of the financial markets, as was our ability, if needed, to raise capital or borrow in the debt markets compared to recent years.
While the United States Congress has taken actions to implement important safeguards, there remains a potential for new federal or state laws and regulations regarding lending and funding practices and liquidity standards, and financial institution regulatory agencies are expected to be very aggressive in responding to concerns and trends identified in examinations, including the issuance of many formal enforcement actions. Negative developments in the financial services industry and the impact of new legislation in response to those developments could negatively impact our operations by restricting our business operations, including our ability to originate or sell loans, and adversely impact our financial performance. A worsening of these conditions would likely exacerbate the adverse effects of these difficult market conditions on us and others in the financial institutions industry. In particular, we may face the following risks in connection with these events: </P>

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">we potentially face increased regulation of our industry and compliance with such regulation may increase our costs and limit our ability to pursue business opportunities; </TD>

</TR>

</TABLE>

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">customer demand for loans secured by real estate could be reduced due to weaker economic conditions, an increase in unemployment, a decrease in real estate values or an increase in interest rates; </TD>

</TR>

</TABLE>

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">the process we use to estimate losses inherent in our credit exposure requires difficult, subjective and complex judgments, including forecasts of economic conditions and how these economic conditions might impair the ability of our borrowers to repay their loans; </TD>

</TR>

</TABLE>

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">the level of uncertainty concerning economic conditions may adversely affect the accuracy of our estimates which may, in turn, impact the reliability of the process; </TD>

</TR>

</TABLE>

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">the value of the portfolio of investment securities that we hold may be adversely affected; and </TD>

</TR>

</TABLE>

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">we may be required to pay significantly higher FDIC premiums because market developments have significantly depleted the insurance fund of the FDIC and reduced the ratio of reserves to insured deposits. </TD>

</TR>

</TABLE>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">16</P>

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<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In addition, the possibility that certain European Union (&#147;EU&#148;) member states may default on their debt obligations have negatively impacted economic conditions and global markets. The continued uncertainty over the outcome of international and the EU&#146;s financial support programs and the possibility that other EU member states may experience similar financial troubles could further disrupt global markets. The negative impact on economic conditions and global markets could also have a material adverse effect on our liquidity, financial condition and results of operations. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B><I>We are subject to interest rate risk and variations in interest rates may negatively impact our financial performance.</I></B> </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">We are unable to predict actual fluctuations of market interest rates with complete accuracy. Rate fluctuations are affected by many factors, including: </P>

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          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">inflation; </TD>

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          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">recession; </TD>

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          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">a rise in unemployment; </TD>

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          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">tightening money supply; and </TD>

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          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">domestic and international disorder and instability in domestic and foreign financial markets, among other things. </TD>

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<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Changes in the interest rate environment may reduce profits. We expect that we will continue to realize income from the differential or &#147;spread&#148; between the interest we earn on loans, securities and other interest-earning assets, and the interest we pay on deposits, borrowings and other interest-bearing liabilities. Net interest spreads are affected by the difference between the maturities and repricing characteristics of interest-earning assets and interest-bearing liabilities. Changes in levels of market interest rates could materially and adversely affect our net interest spread, asset quality, levels of prepayments and cash flows as
well as the market value of our securities portfolio and overall profitability. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B><I>The downgrade of the U.S. credit rating could have a material adverse effect on our business, financial condition and liquidity.</I></B> </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Standard &amp; Poor&#146;s lowered its long term sovereign credit rating on the United States of America from AAA to AA+ on August 5, 2011. A further downgrade or a downgrade by other rating agencies could have a material adverse impact on financial markets and economic conditions in the United States and worldwide. Any such adverse impact could have a material adverse effect on our liquidity, financial condition and results of operations. Many of our investment securities are issued by U.S. government agencies and U.S. government sponsored entities. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B><I>The Federal Reserve&#146;s repeal of the prohibition against payment of interest on demand deposits may increase competition for such deposits and ultimately increase interest expense.</I></B> </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">A major portion of our net income comes from our interest rate spread, which is the difference between the interest rates paid by us on amounts used to fund assets and the interest rates and fees we receive on our interest-earning assets. On July 14, 2011, the Federal Reserve issued final rules to repeal Regulation Q, which had prohibited the payment of interest on demand deposits by institutions that are member banks of the Federal Reserve System. As a result, banks and thrifts are now permitted to offer interest-bearing demand deposit accounts to commercial customers, which were previously forbidden under Regulation Q. The repeal of Regulation Q
may cause increased competition from other financial institutions for these deposits and could result in an increase in our interest expense. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B><I>External factors, many of which we cannot control, may result in liquidity concerns for us.</I></B> </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Liquidity risk is the potential that the Bank may be unable to meet its obligations as they come due, capitalize on growth opportunities as they arise, or pay regular dividends because of an inability to liquidate assets or obtain adequate funding in a timely basis, at a reasonable cost and within acceptable risk tolerances. </P>

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<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Liquidity is required to fund various obligations, including credit commitments to borrowers, mortgage and other loan originations, withdrawals by depositors, repayment of borrowings, operating expenses, capital expenditures and dividend payments to shareholders. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Liquidity is derived primarily from deposit growth and retention; principal and interest payments on loans; principal and interest payments on investment securities; sale, maturity and prepayment of investment securities; net cash provided from operations, and access to other funding sources. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Our access to funding sources in amounts adequate to finance our activities could be impaired by factors that affect us specifically or the financial services industry in general. Factors that could detrimentally impact our access to liquidity sources include a decrease in the level of our business activity due to market factors or an adverse regulatory action against us. Our ability to borrow could also be impaired by factors that are not specific to us, such as a severe disruption of the financial markets or negative views and expectations about the prospects for the financial services industry as a whole. Over the last several years, the financial
services industry and the credit markets generally have been materially and adversely affected by significant declines in asset values and by a lack of liquidity. The liquidity issues have been particularly acute for regional and community banks, as many of the larger financial institutions have significantly curtailed their lending to regional and community banks to reduce their exposure to the risks of other banks. In addition, many of the larger correspondent lenders have reduced or even eliminated federal funds lines for their correspondent customers. Furthermore, regional and community banks generally have less access to the capital markets than do the national and super-regional banks because of their smaller size and limited analyst coverage. Any decline in available funding could adversely impact our ability to originate loans, invest in securities, meet our expenses, or fulfill obligations such as meeting deposit withdrawal demands, any of which could have a material adverse
impact on our liquidity, business, results of operations and financial condition. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B><I>The extensive regulation and supervision to which we are subject impose substantial restrictions on our business.</I></B> </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Center Bancorp Inc., primarily through its principal subsidiary, Union Center National Bank, and certain non-bank subsidiaries, are subject to extensive regulation and supervision. Banking regulations are primarily intended to protect depositors&#146; funds, federal deposit insurance funds and the banking system as a whole. Such laws are not designed to protect our shareholders. These regulations affect our lending practices, capital structure, investment practices, dividend policy and growth, among other things. The Bank is also subject to a number of federal laws, which, among other things, require it to lend to various sectors of the economy and
population, and establish and maintain comprehensive programs relating to anti-money laundering and customer identification. The United States Congress and federal regulatory agencies continually review banking laws, regulations and policies for possible changes. Changes to statutes, regulations or regulatory policies, including changes in interpretation or implementation of statutes, regulations or policies, could affect us in substantial and unpredictable ways. Such changes could subject us to additional costs, limit the types of financial services and products we may offer and/or increase the ability of non-banks to offer competing financial services and products, among other things. Failure to comply with laws, regulations or policies could result in sanctions by regulatory agencies, civil money penalties and/or reputational damage, which could have a material adverse effect on our business, financial condition and results of operations. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B><I>Current levels of volatility in the capital markets are unprecedented and may adversely impact our operations and results.</I></B> </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The capital markets have been experiencing unprecedented volatility for several years. Such negative developments and disruptions have resulted in uncertainty in the financial markets. Bank and bank holding company stock prices have been negatively affected, as has the ability of banks and bank holding companies to raise capital or borrow in the debt markets. If the capital markets are volatile, there can be no assurance that we will not experience an adverse effect, which may be material, on our business, financial condition and results of operations or our ability to access capital. </P>

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<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B><I>We must effectively manage our credit risk.</I></B> </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">There are risks inherent in making any loan, including risks inherent in dealing with particular borrowers, risks of nonpayment, risks resulting from uncertainties as to the future value of collateral and risks resulting from changes in economic and industry conditions. We attempt to minimize our credit risk through prudent loan application approval procedures, careful monitoring of the concentration of our loans within specific industries, a centralized credit administration department and periodic independent reviews of outstanding loans by our loan review department. However, we cannot assure you that such approval and monitoring procedures will
reduce these credit risks. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B><I>Our loan portfolio includes commercial real estate loans, which involve risks specific to real estate value.</I></B> </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Commercial real estate and construction loans were $447.4 million, or approximately 59.2% of our total loan portfolio, as of December 31, 2011. Many of these loans are extended to small and medium-sized businesses. The market value of real estate can fluctuate significantly in a short period of time as a result of market conditions in the geographic area in which the real estate is located. Although many such loans are secured by real estate as a secondary form of collateral, continued adverse developments affecting real estate values in our market area could increase the credit risk associated with our loan portfolio. Economic events or governmental
regulations outside of the control of the borrower or lender could negatively impact the future cash flow and market values of the affected properties. If the loans that are collateralized by real estate become troubled and the value of the real estate has been significantly impaired, then we may not be able to recover the full contractual amount of principal and interest that we anticipated at the time of originating the loan, which could cause us to increase our provision for loan losses and adversely affect our operating results and financial condition. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B><I>We may incur impairments to goodwill.</I></B> </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">We review our goodwill at least annually. Significant negative industry or economic trends, reduced estimates of future cash flows or disruptions to our business, could indicate that goodwill might be impaired. Our valuation methodology for assessing impairment requires management to make judgments and assumptions based on historical experience and to rely on projections of future operating performance. We operate in a competitive environment and projections of future operating results and cash flows may vary significantly from actual results. Additionally, if our analysis results in an impairment to our goodwill, we would be required to record a
non-cash charge to earnings in our financial statements during the period in which such impairment is determined to exist. Any such change could have a material adverse effect on our results of operations and our stock price. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B><I>Union Center National Bank&#146;s ability to pay dividends is subject to regulatory limitations, which, to the extent that our holding company requires such dividends in the future, may affect our holding company&#146;s ability to honor its obligations and pay dividends.</I></B> </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">As a bank holding company, Center Bancorp, Inc. is a separate legal entity from Union Center National Bank and its subsidiaries and does not have significant operations. We currently depend on Union Center National Bank&#146;s cash and liquidity to pay our operating expenses and to fund dividends to shareholders. We cannot assure you that in the future Union Center National Bank will have the capacity to pay the necessary dividends and that we will not require dividends from Union Center National Bank to satisfy our obligations. Various statutes and regulations limit the availability of dividends from Union Center National Bank. It is possible,
depending upon our and Union Center National Bank&#146;s financial condition and other factors, that bank regulators could assert that payment of dividends or other payments by Union Center National Bank are an unsafe or unsound practice. In the event that Union Center National Bank is unable to pay dividends, we may not be able to service our obligations, as they become due, or pay dividends on our capital stock. Consequently, the inability to receive dividends from Union Center National Bank could adversely affect our financial condition, results of operations, cash flows and prospects. </P>

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<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B><I>Union Center National Bank&#146;s allowance for loan losses may not be adequate to cover actual losses.</I></B> </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Like all financial institutions, Union Center National Bank maintains an allowance for loan losses to provide for loan defaults and non-performance. If Union Center National Bank&#146;s allowance for loan losses is not adequate to cover actual loan losses, future provisions for loan losses could materially and adversely affect our operating results. Union Center National Bank&#146;s allowance for loan losses is determined by analyzing historical loan losses, current trends in delinquencies and charge-offs, plans for problem loan resolution, the opinions of its regulators, changes in the size and composition of the loan portfolio and industry
information. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Union Center National Bank also considers the impact of economic events, the outcome of which is uncertain. The amount of future losses is susceptible to changes in economic, operating and other conditions, including changes in interest rates that may be beyond our control and these losses may exceed current estimates. Federal regulatory agencies, as an integral part of their examination process, review Union Center National Bank&#146;s loans and allowance for loan losses. While we believe that Union Center National Bank&#146;s allowance for loan losses in relation to its current loan portfolio is adequate to cover current losses, we cannot assure
you that Union Center National Bank will not need to increase its allowance for loan losses or that regulators will not require it to increase this allowance. Either of these occurrences could materially and adversely affect our earnings and profitability. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B><I>Union Center National Bank is subject to various lending and other economic risks that could adversely impact our results of operations and financial condition.</I></B> </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Changes in economic conditions, particularly a significant worsening of the current economic environment, could hurt Union Center National Bank&#146;s business. Union Center National Bank&#146;s business is directly affected by political and market conditions, broad trends in industry and finance, legislative and regulatory changes, changes in governmental monetary and fiscal policies, all of which are beyond our control. Deterioration in economic conditions, particularly within New Jersey, could result in the following consequences, any of which could hurt our business materially: </P>

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          <TD STYLE="text-align: left">loan delinquencies may increase; </TD>

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">problem assets and foreclosures may increase; </TD>

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">demand for our products and services may decline; and </TD>

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">collateral for loans made by Union Center National Bank may decline in value, in turn reducing Union Center National Bank&#146;s clients&#146; borrowing power, among other things. </TD>

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<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Further deterioration in the real estate market, particularly in New Jersey, could hurt our business. As real estate values in New Jersey decline, our ability to recover on defaulted loans by selling the underlying real estate is reduced, which increases the possibility that we may suffer losses on defaulted loans. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B><I>Union Center National Bank may suffer losses in its loan portfolio despite its underwriting practices.</I></B> </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Union Center National Bank seeks to mitigate the risks inherent in its loan portfolio by adhering to specific underwriting practices. Although we believe that Union Center National Bank&#146;s underwriting criteria are appropriate for the various kinds of loans that it makes, Union Center National Bank may incur losses on loans that meet its underwriting criteria, and these losses may exceed the amounts set aside as reserves in its allowance for loan losses. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B><I>Union Center National Bank faces strong competition from other financial institutions, financial service companies and other organizations offering services similar to the services that Union Center National Bank provides.</I></B> </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Many competitors offer the same types of loans and banking services that Union Center National Bank offers or similar types of such services. These competitors include other national banks, savings associations, regional banks and other community banks. Union Center National Bank also faces competition from many other types of financial institutions, including finance companies, brokerage firms, insurance companies, credit unions, mortgage banks and other financial intermediaries. In this regard, Union Center National Bank&#146;s competitors include other state and national banks and major financial companies whose greater resources may </P>

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<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">afford them a marketplace advantage by enabling them to maintain numerous banking locations, offer a broader suite of services and mount extensive promotional and advertising campaigns. Our inability to compete effectively may adversely affect our business. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B><I>If we pursue acquisitions, we may heighten the risks to our operations and financial condition.</I></B> </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">To the extent that we undertake acquisitions (such as our pending agreement to acquire assets and assume liabilities of Saddle River Valley Bank) or new branch openings, we may experience the effects of higher operating expenses relative to operating income from the new operations, which may have a material adverse effect on our levels of reported net income, return on average equity and return on average assets. Other effects of engaging in such growth strategies may include potential diversion of our management&#146;s time and attention and general disruption to our business. To the extent that we grow through acquisitions and branch openings, we
cannot assure you that we will be able to adequately and profitably manage this growth. Acquiring other banks and businesses involve similar risks to those commonly associated with branching, but may also involve additional risks, including: </P>

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">potential exposure to unknown or contingent liabilities of banks and businesses we acquire; </TD>

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">exposure to potential asset quality issues of the acquired bank or related business; </TD>

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">difficulty and expense of integrating the operations and personnel of banks and businesses we acquire; and </TD>

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">the possible loss of key employees and customers of the banks and businesses we acquire </TD>

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<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B><I>Attractive acquisition opportunities may not be available to us in the future.</I></B> </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">We expect that other banking and financial service companies, many of which have significantly greater resources than us, will compete with us in acquiring other financial institutions if we pursue such acquisitions. This competition could increase prices for potential acquisitions that we believe are attractive. Also, acquisitions are subject to various regulatory approvals. If we fail to receive the appropriate regulatory approvals, we will not be able to consummate an acquisition that we believe is in our best interests. Among other things, our regulators will consider our capital, liquidity, profitability, regulatory compliance and levels of
goodwill when considering acquisition and expansion proposals. Any acquisition could be dilutive to our earnings and shareholders&#146; equity per share of our common stock. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B><I>Further increases in FDIC premiums could have a material adverse effect on our future earnings.</I></B> </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The FDIC insures deposits at FDIC insured financial institutions, including Union Center National Bank. The FDIC charges the insured financial institutions premiums to maintain the Deposit Insurance Fund at an adequate level. In periods of economic difficulties, the FDIC may increase its assessment rates and impose special assessments. The FDIC may further increase these rates and impose additional special assessments in the future, which could have a material adverse effect on future earnings. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B><I>Declines in value may adversely impact our investment portfolio.</I></B> </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">As of December 31, 2011, we had approximately $414.5 million in available for sale investment securities. We may be required to record impairment charges on our investment securities if they suffer a decline in value that is considered other-than-temporary. Numerous factors, including lack of liquidity for re-sales of certain investment securities, absence of reliable pricing information or investment securities, adverse changes in business climate, adverse actions by regulators, or unanticipated changes in the competitive environment could have a negative effect on our investment portfolio in future periods. If an impairment charge is significant
enough, it could affect the ability of Union Center National Bank to upstream dividends to the Parent Corporation, which could have a material adverse effect on our liquidity and our ability to pay dividends to shareholders and could also negatively impact our regulatory capital ratios. </P>

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<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B><I>Concern of customers over deposit insurance may cause a decrease in deposits.</I></B> </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">With recent increased concerns about bank failures, customers increasingly are concerned about the extent to which their deposits are insured by the FDIC. Customers may withdraw deposits in an effort to ensure that the amount they have on deposit with their bank is fully insured. Decreases in deposits may adversely affect our funding costs and net income. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B><I>We have a continuing need for technological change and we may not have the resources to effectively implement new technology.</I></B> </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The financial services industry is constantly undergoing rapid technological changes with frequent introductions of new technology-driven products and services. The effective use of technology increases efficiency and enables financial institutions to reduce costs, in addition to providing better service to customers. Our future success will depend in part upon our ability to address the needs of our customers by using technology to provide products and services that will satisfy customer demands for convenience as well as to create additional efficiencies in our operations as we grow. We cannot assure you that we will be able to effectively
implement new technology-driven products and services or be successful in marketing such products and services to our customers. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B><I>System failure or breaches of our network security could subject us to increased operating costs as well as litigation and other liabilities.</I></B> </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The computer systems and network infrastructure we use could be vulnerable to unforeseen problems. Our operations are dependent upon our ability to protect our computer equipment against damage from physical theft, fire, power loss, telecommunications failure or a similar catastrophic event, as well as from security breaches, denial of service attacks, viruses, worms and other disruptive problems caused by hackers. Any damage or failure that causes an interruption in our operations could have a material adverse effect on our financial condition and results of operations. Computer break-ins, phishing and other disruptions could also jeopardize the
security of information stored in and transmitted through our computer systems and network infrastructure, which may result in significant liability to us and may cause existing and potential customers to refrain from doing business with us. A failure of the security measures we use could have a material adverse effect on our financial condition and results of operations. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B><I>The Dodd-Frank Act and future regulatory reforms required by such legislation could have a significant impact on our business, financial condition and results of operations.</I></B> </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Dodd-Frank Act will have a broad impact on the financial services industry, including significant regulatory and compliance changes. Many of the requirements called for in the Dodd-Frank Act will be implemented over time and most are and will be subject to implementing regulations over the course of several years. Given the uncertainty associated with the manner in which the provisions of the Dodd-Frank Act will be implemented by the various regulatory agencies, the full extent of the impact such requirements will have on our operations is unclear. Among other things, the Dodd-Frank Act: </P>

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">eliminates the federal prohibitions on paying interest on demand deposits, thus allowing businesses to have interest bearing checking accounts. Depending on competitive responses, this significant change to existing law could have an adverse impact on our interest expense; </TD>

</TR>

</TABLE>

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">broadens the base for FDIC insurance assessments; assessments will now be based on the average consolidated total assets less tangible equity capital of a financial institution; </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">permanently increases the maximum amount of deposit insurance for banks, savings institutions and credit unions to $250,000 per depositor, retroactive to January 1, 2009, and non-interest bearing transaction accounts have unlimited deposit insurance through December 31, 2013; </TD>

</TR>

</TABLE>

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">directs the Federal Reserve Board to promulgate rules prohibiting excessive compensation paid to bank holding company executives; </TD>

</TR>

</TABLE>

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">creates a new Consumer Financial Protection Bureau with broad powers to supervise and enforce consumer protection laws. The Consumer Financial Protection Bureau has broad rule-making authority for a wide range of consumer protection laws that apply to all banks and savings </TD>

</TR>

</TABLE>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">22</P>

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<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

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          <TD STYLE="width: 21px; text-align: left"></TD>

          <TD STYLE="width: 24px; text-align: left"></TD>

          <TD STYLE="text-align: left">institutions, including the authority to prohibit &#147;unfair, deceptive or abusive&#148; acts and practices. The Consumer Financial Protection Bureau has examination and enforcement authority over all banks and savings institutions with more than $10 billion in assets. Institutions with $10 billion or less in assets, such as the Bank, will continued to be examined for compliance with the consumer laws by their primary bank regulators; and </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

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          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">weakens the federal preemption rules that have been applicable for national banks and federal savings associations, and gives state attorneys general the ability to enforce federal consumer protection laws, among other things. </TD>

</TR>

</TABLE>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">While it is difficult to predict at this time what specific impact the Dodd-Frank Act, newly written implementing rules and regulations and yet to be written implementing rules and regulations will have on us, we expect that at a minimum our operating and compliance costs will increase, and our interest expense could increase. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#tUSC"></a>Item 1B. Unresolved Staff Comments </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">None. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#tPROP"></a>Item 2. Properties </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Bank&#146;s operations are located at ten sites in Union County, New Jersey, consisting of six sites in Union Township, one in Springfield Township, one in Berkeley Heights, one in Vauxhall and one in Summit, New Jersey. The Bank also has three branch offices in Morris County, New Jersey, consisting of one site in Madison, one site in Boonton/Mountain Lakes, and one site in Morristown, New Jersey. The principal office is located at 2455 Morris Avenue, Union, New Jersey. The principal office is a two story building constructed in 1993. On October 9, 2004, the Bank opened a 19,555 square foot office facility on Springfield Road in Union, New
Jersey, which served as the Bank&#146;s Operations and Data Center until January 12, 2010 when the Bank entered into a sales purchase agreement for this facility. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table sets forth certain information regarding the Bank&#146;s leased locations. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

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          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="184"></TD>

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          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="408"></TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>Branch Location</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>Term</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt" ROWSPAN=1 COLSPAN=1>356 Chestnut Street,<BR> Union, New Jersey</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Term expires in 2028 with renewal options</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt" ROWSPAN=1 COLSPAN=1>Career Center Branch<BR> located in Union High School,<BR> Union, New Jersey</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Term expired in October 2008, currently on month to month lease</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt" ROWSPAN=1 COLSPAN=1>300 Main Street,<BR> Madison, New Jersey</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Term expires June 6, 2015 and is subject to renewal at the Bank&#146;s option</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt" ROWSPAN=1 COLSPAN=1>2933 Vauxhall Road,<BR> Vauxhall, New Jersey</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Term expires January 31, 2013 and is subject to renewal at the Bank&#146;s option</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt" ROWSPAN=1 COLSPAN=1>545 Morris Avenue,<BR> Summit, New Jersey</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Term expires February 1, 2024, subject to renewal at the Bank&#146;s option</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt" ROWSPAN=1 COLSPAN=1>Ely Place, Boonton, New Jersey</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Term expires August 29, 2021, and is subject to renewal at the Bank&#146;s option</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Upon consummation of our Saddle River Valley Bank acquisition, the Bank will assume leases pursuant to which the Bank will lease two branch locations in Bergen County, New Jersey. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">23</P>

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<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Bank operates a Drive In/Walk Up located at 2022 Stowe Street, Union, New Jersey, adjacent to a part of the Center Office facility. The Bank also operates an Auto banking Center located at Bonnel Court, Union, New Jersey. The Bank has three off-site ATM locations. Two are located at the Chatham and Madison New Jersey Transit stations and one is located at the Boys and Girls Club of Union, 1050 Jeanette Avenue, Union, New Jersey. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">During the second quarter of 2010, the Corporation entered into a lease of its former operations facility under a direct financing lease. The lease has a 15 year term with no renewal options. According to the terms of the lease, the lessee has an obligation to purchase the property underlying the lease in either year seven, ten or fifteen at predetermined prices for those years as provided in the lease. The structure of the minimum lease payments and the purchase prices as provided in the lease provide an inducement to the lessee to purchase the property in year seven. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#tLP"></a>Item 3. Legal Proceedings </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In December 2009, the Corporation took steps to terminate a participation agreement with another New Jersey bank at December 31, 2009. Under the terms of the agreement, the participation ended on December 31, 2009, and, in the Corporation&#146;s view, the lead bank is required to repurchase the remaining balance. The lead bank questioned our enforcement of the participation agreement. Therefore, Union Center instituted a suit against Highlands State Bank (&#147;Highlands&#148;) in the Superior Court of New Jersey. Various causes of action are pleaded in this litigation by both parties, including claims for recovery of damages. The primary claim
prosecuted by the Bank seeks a judicial determination that the participation agreement executed with Highlands was properly terminated in accordance with its terms on December 31, 2009 and that Highlands is obligated to return the unpaid balance of the loan funds advanced by the Bank during its participation in the loan. The primary claim presented by Highlands is that the Bank&#146;s participation in the loan must continue until it is ultimately retired, which will probably result in a substantial loss that it is claimed must be shared by the Bank. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">During the fourth quarter of 2011, the Corporation entered into a Settlement Agreement with Highlands State Bank. The Settlement Agreement called for Highlands State Bank, as the lead bank in this participation loan, to repurchase the Corporation&#146;s participating interest in the underlying loan. Both banks executed a stipulation dismissing the lawsuit as well as general releases to each other regarding this matter. The Corporation incurred a $287,000 charge to operating expense during the fourth quarter of 2011 as a result. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">There are no other significant pending legal proceedings involving the Corporation other than those arising out of routine operations. Management does not anticipate that the ultimate liability, if any, arising out of such other proceedings will have a material effect on the financial condition or results of operations of the Corporation on a consolidated basis. Such statement constitutes a forward-looking statement under the Private Securities Litigation Reform Act of 1995. Actual results could differ materially from this statement as a result of various factors, including the uncertainties arising in proving facts within the judicial process. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">24</P>

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<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#tEOR"></a>Item 3A. Executive Officers of the Registrant </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table sets forth the name and age of each executive officer of the Parent Corporation, the period during which each such person has served as an officer of the Parent Corporation or the Bank and each such person&#146;s business experience (including all positions with the Parent Corporation and the Bank) for the past five years: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

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          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="96"></TD>

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          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>Name and Age</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>Officer Since</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>Business Experience</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>Anthony C. Weagley<BR> Age&nbsp;&#150;&nbsp;50</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">1996 the Parent<BR> Corporation<BR> 1985 the Bank</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">President and Chief Executive Officer of the Parent Corporation (April 2008&nbsp;&#150;&nbsp;Present); President, Chief Executive Officer and Chief Financial Officer of the Parent Corporation (August 2007&nbsp;&#150;&nbsp;March 2008); President and Chief Executive Officer of the Bank (March 2008&nbsp;&#150;&nbsp;Present); President, Chief Executive Officer and Chief Financial Officer of the Bank (August 2007&nbsp;&#150;&nbsp;February 2008); Vice President &amp; Treasurer of the Parent Corporation (1996&nbsp;&#150;&nbsp; August 2007); Senior Vice President &amp; Cashier of the Bank (1996&nbsp;&#150;&nbsp;August 2007); Vice President &amp; Cashier of the Bank (1991&nbsp;&#150;&nbsp;1996)</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>Mark S. Cardone<BR> Age&nbsp;&#150;&nbsp;49</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">2001 the Parent<BR> Corporation<BR> 2001 the Bank</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Vice President of the Parent Corporation and Senior Vice President &amp; Branch Administrator of the Bank (2001&nbsp;&#150;&nbsp;Present)</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>Joseph D. Gangemi<BR> Age&nbsp;&#150;&nbsp;31</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">2008 the Parent<BR> Corporation<BR> 2004 the Bank</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Vice President and Assistant Portfolio Manager of the Parent and the Bank (December 31, 2010&nbsp;&#150;&nbsp;Present): Executive Assistant to the Chief Executive Officer, Investor Relations Officer and Corporate Secretary of the Parent Corporation and the Bank (June 2008&nbsp;&#150;&nbsp; Present); Executive Assistant to the Chief Executive Officer and Investor Relations Officer of the Bank (January 2008&nbsp;&#150;&nbsp;June 2008); Executive Assistant to the Chief Executive Officer of the Bank (August 2007&nbsp;&#150;&nbsp;January 2008); Executive Assistant to the Chief Financial Officer of the Bank (August 2005&nbsp;&#150;&nbsp;August 2007)</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>John J. Lukens<BR>Age&nbsp;&#150;&nbsp;64</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">2009 the Parent<BR> Corporation<BR> 2004 the Bank</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Vice President and Senior Credit Administrator of the Parent Corporation and Senior Vice President and Senior Credit Administrator of the Bank (December 2009&nbsp;&#150;&nbsp; Present); Vice President of the Bank (September 2004&nbsp;&#150;&nbsp; December 2009)</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>James W. Sorge<BR>Age&nbsp;&#150;&nbsp;59</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">2010 the Parent<BR> Corporation<BR> 2010 the Bank</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Vice President and Compliance Officer of the Parent Corporation and Senior Vice President and Compliance Officer of the Bank (March 2010&nbsp;&#150;&nbsp;Present); Vice President and Director, PNC Global Investment Servicing (May 2008&nbsp;&#150;&nbsp;March 2010); Vice President, BSA/AML/OFAC Officer, Yardville National Bank (June 2005&nbsp;&#150;&nbsp;April 2008) </TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">25</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-top; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="120"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="96"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="306"></TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>Name and Age</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>Officer Since</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>Business Experience</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>George J. Theiller<BR> Age&nbsp;&#150;&nbsp;61</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">2009 the Parent<BR> Corporation<BR> 2005 the Bank</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Vice President and Senior Auditor of the Parent Corporation and Senior Vice President and Senior Auditor of the Bank (December 2009&nbsp;&#150;&nbsp;Present); Vice President and Senior Auditor of the Bank (April 2005&nbsp;&#150;&nbsp;December 2009)</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>Vincent N. Tozzi<BR>Age&nbsp;&#150;&nbsp;61</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">2011 the Parent<BR> Corporation<BR> 2011 the Bank</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Vice President, Treasurer and Chief Financial Officer of the Parent Corporation (March 2011&nbsp;&#150;&nbsp;Present); Senior Vice President and Chief Financial Officer of the Bank (February 2011&nbsp;&#150;&nbsp;Present); Consultant to the Bank&#146;s Financial Division (December 2010&nbsp;&#150;&nbsp;February 2011); Partner and Chief Financial Officer, Aztec Environmental Energy Management (January 2008&nbsp;&#150;&nbsp; Present); Senior Vice President and Chief Financial Officer of The Bank of Princeton (October 2006&nbsp;&#150;&nbsp; January 2008).</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>Arthur M. Wein<BR>Age&nbsp;&#150;&nbsp;61</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">2009 the Parent<BR> Corporation<BR> 2009 the Bank</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Vice President and Chief Operating Officer of the Parent Corporation and Senior Vice President and Chief Operating Officer of the Bank (October 2009&nbsp;&#150;&nbsp;Present); Vice President and Business Development Officer of the Summit Region of the Bank (April 2009&nbsp;&#150;&nbsp; October 2009); President and Chief Executive Officer of UTZ Technologies, Inc. (manufacturer of thick film hybrid screens) (December 2003&nbsp;&#150;&nbsp;March 2009)</TD>

</TR>

</TABLE></DIV>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#tMSD"></a>Item 4. Mine Safety Disclosures </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Not applicable. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">26</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">PART II </H2>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#tMRCES"></a>Item 5. Market for the Registrant&#146;s Common Stock, Related Stockholder Matters and Issuer Purchases of Equity Securities </H2>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Security Market Information </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The common stock of the Parent Corporation is traded on the NASDAQ Global Select Market. The Corporation&#146;s symbol is CNBC. As of December 31, 2011, the Corporation had 563 stockholders of record. This does not include beneficial owners for whom CEDE &amp; Company or others act as nominees. On December 31, 2011, the closing low market bid and asked price were $9.74 and $9.77, respectively. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table sets forth the high and low bid price, and the dividends declared, on a share of the Corporation&#146;s common stock for the years ended December 31, 2011 and 2010. All amounts are adjusted for prior stock splits and stock dividends. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="624" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="168"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=15>Common Stock Price</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>Common Dividends Declared</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=3></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=3></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>High Bid</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Low Bid</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>High Bid</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Low Bid</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Fourth Quarter</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9.96</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8.90</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8.11</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7.30</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.03</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.03</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Third Quarter</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10.90</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8.51</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7.67</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7.05</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.03</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.03</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Second Quarter</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10.44</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9.49</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9.07</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6.94</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.03</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.03</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>First Quarter</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9.53</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7.79</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9.09</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8.31</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>0.03</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>0.03</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>0.12</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>0.12</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Share Repurchase Program </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Historically, repurchases have been made from time to time as, in the opinion of management, market conditions warranted, in the open market or in privately negotiated transactions. Shares repurchased were used for stock dividends and other issuances. No repurchases were made during 2011 and 2010. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">On January 9, 2009, as part of the U.S. Department of the Treasury&#146;s Troubled Asset Relief Program (&#147;TARP&#148;), the Parent Corporation entered into an agreement with the U.S. Treasury (the &#147;Stock Purchase Agreement&#148;) pursuant to which (i) the Parent Corporation issued and sold, and the U.S. Treasury purchased, 10,000 shares (the &#147;Preferred Shares&#148;) of the Company&#146;s Fixed Rate Cumulative Perpetual Preferred Stock, Series A, having a liquidation preference of $1,000 per share for an aggregate purchase price of $10 million in cash, and (ii) the Parent Corporation issued to the U.S. Treasury a ten-year warrant (the
&#147;Warrant&#148;) to purchase up to 173,410 shares of the Parent Corporation&#146;s common stock at an exercise price of $8.65 per share. As a result of the successful completion of a rights offering in October 2009, the number of shares underlying the warrant held by the U.S. Treasury was reduced to 86,705 shares or 50 percent of the original 173,410 shares. On September 15, 2011, the Corporation issued $11.25 million in nonvoting senior preferred stock to the Treasury under the Small Business Lending Fund Program. Simultaneously, the Corporation redeemed from the Treasury, all 10,000 outstanding shares of its Fixed Rate Cumulative Perpetual Preferred Stock, Series A, liquidation amount $1,000 per share, for a redemption price of $10,041,667, including accrued but unpaid dividends up to the date of redemption. On December 7, 2011, the Corporation repurchased the warrants issued on January 12, 2009 to the U.S. Treasury as part of its participation in the U.S. Treasury&#146;s TARP
Capital Purchase Program. The Corporation received $10.0 million under the program and, using funds received under the U.S. Government&#146;s Small Business Lending Fund program, repaid the debt in full in September of this year. In the repurchase, the Corporation paid the U.S. Treasury $245,000 for the warrants. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Dividends </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Federal laws and regulations contain restrictions on the ability of the Parent Corporation and Union Center National Bank to pay dividends. For information regarding restrictions on dividends, see Part I, Item 1, &#147;Business&nbsp;&#151;&nbsp;Dividend Limitations&#148; and Part II, Item 8, &#147;Financial Statements and Supplementary Data&nbsp;&#151;&nbsp; Dividend and Other Restrictions, Note 17 of the Notes to Consolidated Financial Statements.&#148; Under the terms of the trust preferred securities issued by Center Bancorp, Inc. Statutory Trust II, the Parent Corporation </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">27</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">can not pay dividends on its common stock if the Corporation defers payments on the junior subordinated debentures which provide the cash flow for the payments on the trust preferred securities. If the Parent Corporation fails to declare and pay dividends on the SBLF Preferred Stock in a given quarter, then during such quarter and for the next three quarters followings such missed dividend payment, the Parent Corporation may not pay dividends on, or repurchase, any common stock or any other securities that are Junior to (or in parity with) the SBLF Preferred Stock, except in very limited circumstances. Also under the terms of the SBLF Preferred Stock,
the Parent Corporation may declare and pay dividends on its common stock or any other stock junior to the SBLF Preferred Stock, or repurchase shares of any such stock, only if after payment of such dividends or repurchase of such shares, the Parent Corporation&#146;s Tier 1 Capital would be at least equal to the Tier 1 Dividend Threshold, excluding any subsequent net charge-offs and any redemption of the SBLF Preferred Stock. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">During 2011, the Office of the Comptroller of the Currency (the &#147;OCC&#148;) determined that the Memorandum of Understanding (the &#147;MOU&#148;) that had previously been entered into by the Bank was no longer required and, accordingly, the OCC terminated the MOU. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Stockholders Return Comparison </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Set forth below is a line graph presentation comparing the cumulative stockholder return on the Parent Corporation&#146;s common stock, on a dividend reinvested basis, against the cumulative total returns of the Standard &amp; Poor&#146;s Composite and the SNL Mid-Atlantic Bank Index for the period from January 1, 2007 through December 31, 2011. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">28</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">COMPARE 5-YEAR CUMULATIVE TOTAL RETURN<BR> AMONG CENTER BANCORP INC.,<BR> S&amp;P COMPOSITE AND SNL MID-ATLANTIC BANK INDEX </H1>

<P STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><IMG SRC="v304291_chrt-line.jpg" ALIGN="MIDDLE" ALT="[GRAPHIC MISSING]"></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Assumes $100 invested on January 1, 2007<BR> Assumes dividends reinvested<BR> Year ended December 31, 2011 </H1>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">COMPARISON OF CUMULATIVE TOTAL RETURN OF ONE OR MORE<BR> COMPANIES, PEER GROUPS, INDUSTRY INDEXES AND/OR BROAD MARKETS </H1>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="168"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=23>Fiscal Year Ending</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black"  ROWSPAN=1 COLSPAN=1>Company/Index/Market</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>12/31/2006</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>12/31/2007</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>12/31/2008</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>12/31/2009</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>12/31/2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>12/31/2011</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Center Bancorp, Inc.</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>100.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>75.27</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>57.79</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>65.02</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>60.29</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>73.18</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>S&amp;P Composite</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>100.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>105.47</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>66.74</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>90.14</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>106.05</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>96.81</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>SNL Mid-Atlantic Bank Index</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>100.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>75.62</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>41.66</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>43.85</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>51.16</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>38.43</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#tSFD"></a>Item 6. Selected Financial Data </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following tables set forth selected consolidated financial data as of the dates and for the periods presented. The selected consolidated statement of financial condition data as of December 31, 2011 and 2010 and the selected consolidated summary of income data for the years ended December 31, 2011, 2010 and 2009 have been derived from our audited consolidated financial statements and related notes that we have included elsewhere in this Annual Report. The selected consolidated statement of financial condition data as of December 31, 2009, 2008 and 2007 and the selected consolidated summary of income data for the years ended December 31, 2008 and
2007 have been derived from audited consolidated financial statements that are not presented in this Annual Report. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The selected historical consolidated financial data as of any date and for any period are not necessarily indicative of the results that may be achieved as of any future date or for any future period. You should read the following selected statistical and financial data in conjunction with the more detailed information contained in &#147;Management&#146;s Discussion and Analysis of Financial Condition and Results of Operations&#148; and our consolidated financial statements and the related notes that we have presented elsewhere in this Annual Report. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">29</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">SUMMARY OF SELECTED STATISTICAL INFORMATION AND FINANCIAL DATA </H1>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 9pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="204"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="73"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="73"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="73"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="73"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="76"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>Years Ended December 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2009</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2008</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2007</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19><FONT STYLE="font-weight: normal">(Dollars in Thousands, Except per Share Data)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Summary of Income<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>51,927</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>48,714</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>51,110</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>49,894</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>52,129</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Interest expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>12,177</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>14,785</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>22,645</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>24,095</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>30,630</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>39,750</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>33,929</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>28,465</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>25,799</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>21,499</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Provision for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,448</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,076</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>4,597</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,561</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>350</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net interest income after provision for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>37,302</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>28,853</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>23,868</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>24,238</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>21,149</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Other income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,478</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,472</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,906</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,644</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,372</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>23,443</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>24,099</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>23,057</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>19,473</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>24,598</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Income before income tax expense (benefit)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>21,337</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,226</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,717</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,409</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>923</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Income tax expense (benefit)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>7,411</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>222</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>946</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,567</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(2,933</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>13,926</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>7,004</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>3,771</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>5,842</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>3,856</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net income available to common stockholders</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>13,106</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>6,423</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>3,204</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>5,842</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>3,856</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Statement of Financial Condition Data<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investments available for sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>414,507</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>378,080</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>298,124</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>242,714</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>314,194</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investments held to maturity</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>72,233</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>756,010</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>708,444</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>719,606</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>676,203</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>551,669</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Allowance for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,602</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,867</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,711</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,254</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,163</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Goodwill and other intangible assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>16,902</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>16,959</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>17,028</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>17,110</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>17,204</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,432,738</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,207,385</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,195,488</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,023,293</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,017,645</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,121,415</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>860,332</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>813,705</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>659,537</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>699,070</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Borrowings</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>161,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>212,855</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>269,253</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>268,440</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>218,109</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Stockholders&#146; equity</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>135,916</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>120,957</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>101,749</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>81,713</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>85,278</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Dividends<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cash dividends on Common Stock</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,955</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,852</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,434</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,675</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,885</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Dividend payout ratio</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>14.92</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>28.83</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>75.97</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>80.02</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>126.69</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Cash Dividends Per Share<sup>&#040;1&#041;</sup><BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cash dividends</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.12</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.12</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.18</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.36</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.36</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Earnings Per Share<sup>&#040;1&#041;</sup><BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Basic</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.80</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.43</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.24</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.45</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.28</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Diluted</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.80</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.43</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.24</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.45</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.28</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Weighted Average Common Shares Outstanding<sup>&#040;1&#041;</sup><BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Basic</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>16,295,761</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>15,025,870</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13,382,614</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13,048,518</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13,780,504</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Diluted</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>16,314,899</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>15,027,159</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13,385,416</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13,061,410</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13,840,756</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Operating Ratios<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Return on average assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.05</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.59</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.31</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.58</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.38</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Average stockholders&#146; equity to average assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9.83</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9.38</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7.66</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8.28</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9.33</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Return on average stockholders&#146; equity</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10.73</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6.30</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.02</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7.03</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.09</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Return on average tangible stockholders&#146; equity<sup>&#040;2&#041;</sup></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12.33</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7.44</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.91</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8.86</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Book Value<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Book value per common share<sup>&#040;1&#041;</sup></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7.63</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6.83</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6.32</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6.29</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6.48</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Tangible book value per common share<sup>&#040;1&#041;</sup><sup>&#040;2&#041;</sup></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6.60</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5.79</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5.15</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.97</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5.17</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Non-Financial Information<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Common stockholders of record</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>563</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>592</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>605</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>640</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>679</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Full-time equivalent staff</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>163</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>159</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>160</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>160</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>172</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>


<P STYLE="text-align: left; text-indent: 1px"><IMG SRC="line.gif" STYLE="width: 72px; height: 1pt"></P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Notes to Selected Financial Data </H2>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">(1)</TD>

          <TD STYLE="text-align: left">All common share and per common share amounts have been adjusted for prior stock splits and stock dividends. </TD>

</TR>

</TABLE>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">30</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">(2)</TD>

          <TD STYLE="text-align: left">Tangible book value per common share, which is a non-GAAP financial measure, is computed by dividing stockholders&#146; equity less preferred stock, goodwill and other intangible assets by common shares outstanding. The following table provides certain related reconciliations between Generally Accepted Accounting Principles (&#147;GAAP&#148;)measures (stockholders&#146; equity and book value per common share) and the related non-GAAP financial measures (tangible stockholders&#146; equity and tangible book value per common share): </TD>

</TR>

</TABLE>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="200"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2009</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2008</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2007</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19><FONT STYLE="font-weight: normal">(Dollars in Thousands, Except per Share Data)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Common shares outstanding</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>16,332,327</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>16,289,832</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>14,572,029</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12,991,312</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13,155,784</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Stockholders&#146; equity</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>135,916</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>120,957</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>101,749</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>81,713</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>85,278</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Less: Preferred Stock</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11,250</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,700</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,619</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Less: Goodwill and other intangible assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>16,902</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>16,959</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>17,028</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>17,110</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>17,204</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Tangible Stockholders&#146; Equity</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>107,764</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>94,298</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>75,102</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>64,603</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>68,074</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Book value per common share</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7.63</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6.83</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6.32</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6.29</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6.48</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Less: Goodwill and other intangible assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1.03</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1.04</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1.17</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1.32</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1.31</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Tangible Book Value per Common Share</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>6.60</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>5.79</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>5.15</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>4.97</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>5.17</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">All per common share amounts reflect all prior stock splits and dividends. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Return on average tangible stockholders&#146; equity, which is a non-GAAP financial measure, is computed by dividing net income by average stockholders&#146; equity less average goodwill and average other intangible assets. The following table reflects a reconciliation between average stockholders&#146; equity and average tangible stockholders&#146; equity and a reconciliation between return on stockholders&#146; equity and return on average tangible stockholders&#146; equity. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="200"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2009</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2008</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2007</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Net income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>13,926</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>7,004</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,771</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,842</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,856</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Average stockholders&#146; equity</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>129,838</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>111,136</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>93,850</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>83,123</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>94,345</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Less: Average goodwill and other intangible assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>16,930</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>16,993</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>17,069</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>17,158</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>17,259</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Average Tangible Stockholders&#146; Equity</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>112,908</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>94,143</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>76,781</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>65,965</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>77,086</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Return on average stockholders&#146; equity</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10.73</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6.30</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.02</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7.03</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.09</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Add: Average goodwill and other intangible assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1.61</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1.14</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>.89</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1.83</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>0.91</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Return on Average Tangible Stockholders&#146; Equity</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>12.33</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>7.44</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>4.91</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>8.86</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>5.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">%<!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation believes that in comparing financial institutions, investors desire to analyze tangible stockholders&#146; equity rather than stockholders&#146; equity, as they discount the significance of goodwill and other intangible assets. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">31</P>

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<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#tMDAFC"></a>Item 7. Management&#146;s Discussion and Analysis (&#147;MD&amp;A&#148;) of Financial Condition and Results of Operations </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The purpose of this analysis is to provide the reader with information relevant to understanding and assessing the Corporation&#146;s results of operations for each of the past three years and financial condition for each of the past two years. In order to fully appreciate this analysis, the reader is encouraged to review the consolidated financial statements and accompanying notes thereto appearing under Item 8 of this report, and statistical data presented in this document. </P>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Cautionary Statement Concerning Forward-Looking Statements </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">See Item 1 of this Annual Report on Form 10-K for information regarding forward-looking statements. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Critical Accounting Policies and Estimates </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The accounting and reporting policies followed by the Corporation conform, in all material respects, to U.S. GAAP. In preparing the consolidated financial statements, management has made estimates, judgments and assumptions that affect the reported amounts of assets and liabilities as of the dates of the consolidated statements of condition and results of operations for the periods indicated. Actual results could differ significantly from those estimates. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation&#146;s accounting policies are fundamental to understanding this MD&amp;A. The most significant accounting policies followed by the Corporation are presented in Note 1 of the Notes to Consolidated Financial Statements. The Corporation has identified its policies on the allowance for loan losses, other-than-temporary impairment of securities, income tax liabilities and goodwill and other identifiable intangible assets to be critical because management must make subjective and/or complex judgments about matters that are inherently uncertain and could be most subject to revision as new information becomes available. Additional
information on these policies can be found in Note 1 of the Notes to Consolidated Financial Statements. </P>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Allowance for Loan Losses and Related Provision </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The allowance for loan losses represents management&#146;s estimate of probable loan losses inherent in the loan portfolio. Determining the amount of the allowance for loan losses is considered a critical accounting estimate because it requires significant judgment and the use of estimates related to the amount and timing of expected future cash flows on impaired loans, estimated losses on pools of homogeneous loans based on historical loss experience, and consideration of current economic trends and conditions, all of which may be susceptible to significant change. The loan portfolio also represents the largest asset type on the Corporation&#146;s
Consolidated Statements of Condition. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The evaluation of the adequacy of the allowance for loan losses includes, among other factors, an analysis of historical loss rates by loan category applied to current loan totals. However, actual loan losses may be higher or lower than historical trends, which vary. Actual losses on specified problem loans, which also are provided for in the evaluation, may vary from estimated loss percentages, which are established based upon a limited number of potential loss classifications. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The allowance for loan losses is established through a provision for loan losses charged to expense. Management believes that the current allowance for loan losses will be adequate to absorb loan losses on existing loans that may become uncollectible based on the evaluation of known and inherent risks in the loan portfolio. The evaluation takes into consideration such factors as changes in the nature and size of the portfolio, overall portfolio quality, and specific problem loans and current economic conditions which may affect the borrowers&#146; ability to pay. The evaluation also details historical losses by loan category and the resulting loan
loss rates which are projected for current loan total amounts. Loss estimates for specified problem loans are also detailed. All of the factors considered in the analysis of the adequacy of the allowance for loan losses may be subject to change. To the extent actual outcomes differ from management estimates, additional provisions for loan losses may be required that could materially adversely impact earnings in future periods. Additional information can be found in Note 1 of the Notes to Consolidated Financial Statements. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">32</P>

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<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Other-Than-Temporary Impairment of Securities </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Securities are evaluated on at least a quarterly basis, and more frequently when market conditions warrant such an evaluation, to determine whether a decline in their value is other-than-temporary. FASB ASC 320-10-65, clarifies the interaction of the factors that should be considered when determining whether a debt security is other-than-temporarily impaired. For debt securities, management must assess whether (a) it has the intent to sell the security and (b) it is more likely than not that it will be required to sell the security prior to its anticipated recovery. These steps are done before assessing whether the entity will recover the cost basis
of the investment. Previously, this assessment required management to assert it has both the intent and the ability to hold a security for a period of time sufficient to allow for anticipated recovery in fair value to avoid recognizing an other-than-temporary impairment. This change does not affect the need to forecast recovery of the value of the security through either cash flows or market price. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In instances when a determination is made that an other-than-temporary impairment exists but the investor does not intend to sell the debt security and it is not more likely than not that it will be required to sell the debt security prior to its anticipated recovery, FASB ASC 320-10-65 changes the presentation and amount of the other-than-temporary impairment recognized in the income statement. The other-than-temporary impairment is separated into (a) the amount of the total other-than-temporary impairment related to a decrease in cash flows expected to be collected from the debt security (the credit loss) and (b) the amount of the total
other-than-temporary impairment related to all other factors. The amount of the total other-than-temporary impairment related to the credit loss is recognized through earnings. The amount of the total other-than-temporary impairment related to all other factors is recognized in other comprehensive income. Impairment charges on certain investment securities of approximately $342,000 were recognized in earnings during the year ended December 31, 2011. Of this amount, $18,000 related to a variable rate private label collateralized mortgage obligation (&#147;CMO&#148;) and $324,000 related to principal losses on a variable rate private label CMO. The Corporation&#146;s approach to determining whether or not other-than-temporary impairment exists for any of these investments was consistent with the accounting guidance in effect at that time. For the year ended December 31, 2011, the Corporation primarily relied upon the guidance in FASB ASC 320-10-65, FASB ASC 820-10-65 and FASB ASC
310-10-35. Additional information can be found in Note 4 of the Notes to Consolidated Financial Statements. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Impairment charges on certain investment securities of approximately $5.6 million were recognized during the year ended December 31, 2010. Of this amount, $1.8 million related to charges taken on two pooled trust preferred securities owned by the Corporation, $360,000 on a variable rate private label collateralized mortgage obligation (&#147;CMO&#148;), $398,000 in principal losses on a variable rate private label CMO and $3.0 million on a trust preferred security. The Corporation&#146;s approach to determining whether or not other-than-temporary impairment exists for any of these investments was consistent with the accounting guidance in effect at
that time. For the year ended December 31, 2010, the Corporation primarily relied upon the guidance in FASB ASC 320-10-65, FASB ASC 820-10-65 and FASB ASC 325-10-35. </P>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Income Taxes </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The objectives of accounting for income taxes are to recognize the amount of taxes payable or refundable for the current year and deferred tax liabilities and assets for the future tax consequences of events that have been recognized in an entity&#146;s financial statements or tax returns. Judgment is required in assessing the future tax consequences of events that have been recognized in the Corporation&#146;s consolidated financial statements or tax returns. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Fluctuations in the actual outcome of these future tax consequences could impact the Corporation&#146;s consolidated financial condition or results of operations. Notes 1 (under the caption &#147;Use of Estimates&#148;) and 11 of the Notes to Consolidated Financial Statements include additional discussion on the accounting for income taxes. </P>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Goodwill </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation adopted the provisions of FASB ASC 350-10-05, which requires that goodwill be reported separate from other intangible assets in the Consolidated Statements of Condition and not be amortized but tested for impairment annually or more frequently if impairment indicators arise for impairment. No impairment charge was deemed necessary for the years ended December 31, 2011 and 2010. </P>

</DIV>

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<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Fair Value of Investment Securities </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In October 2008, the FASB issued FASB ASC 820-10-35, to clarify the application of the provisions of FASB ASC 820-10-05 in an inactive market and how an entity would determine fair value in an inactive market. Changes in the Corporation&#146;s methodology occurred for the quarter ended June 30, 2009 as new accounting guidance was released in April of 2009 with mandatory adoption required in the second quarter. The Corporation relied upon the guidance in FASB ASC 820-10-65 when determining fair value for the Corporation&#146;s pooled trust preferred securities and private issue corporate bond. See Note 18 of the Notes to Consolidated Financial
Statements, <I>Fair Value Measurements and Fair Value of Financial Instruments</I>, for further discussion. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Introduction </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following introduction to Management&#146;s Discussion and Analysis highlights the principal factors that contributed to the Corporation&#146;s earnings performance in 2011. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The year 2011 was a challenging one for the banking industry and for the Corporation. The current global financial crisis and difficult economic climate has created challenges to financial institutions both domestically and abroad. Interest rates in 2011 and 2010 were reflective of significantly lower short-term interest rates in an effort to stimulate the economy. Competition for deposits in the Corporation&#146;s marketplace remained intense while customers&#146; preference in seeking safety through full FDIC insured products and more liquidity became paramount in light of the financial crisis. Market conditions remained volatile during 2011 and
2010, related to global instability in the markets following the sub-prime crises. While we continue to see an improvement in balance sheet strength and core earnings performance, we are still concerned with the credit stability of the broader markets. As a result, the Federal Reserve kept overnight borrowing rates at zero to 25 basis points throughout the course of 2011. Short-term interest rates remained lower than longer term rates resulting in an improved steepening of the yield curve. This resulted in an expansion of the Corporation&#146;s net interest income, which is the Corporation&#146;s primary source of income. The Corporation also took action throughout the year to reduce further exposure to interest rates through a reduction in higher cost funding and non-core balances in the deposit mix and improvement in the earning asset mix. The Corporation&#146;s continued progress in growing and improving its balance sheet earning asset mix has helped to expand its spread and margin.
We intend to continue to use a portion of the proceeds of maturing investments to help fund new loan growth. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation&#146;s net income in 2011 was $13.9 million or $0.80 per fully diluted common share, compared with net income of $7.0 million or $0.43 per fully diluted common share in 2010. A substantial portion of our earnings in 2011 and 2010 was from core operations. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Earnings for 2011 were positively impacted by net interest income and spread expansion through both balance sheet improvements and a lower cost of funds as compared to 2010 and reductions in loan loss provisions, marketing expenses, FDIC insurance, computer and occupancy expenses. These improvements were somewhat offset by higher salaries and employee benefits, professional and consulting fees expenses. Other expense for the twelve-months ended December 31, 2011 totaled $23.4 million, a decrease of $656,000, or 2.7 percent, from the twelve-months ended December 31, 2010 due principally to the items mentioned above. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation previously announced a strategic outsourcing agreement with Fiserv to provide core account processing services, which is consistent with the Corporation&#146;s other strategic initiatives to streamline operations, reduce operating overhead and allow the Corporation to focus on core competencies of customer service and product development. This coupled with previously initiated cost reduction plans are intended to improve operating efficiencies, business and technical operations. The core processing transition was consummated during 2009. Additionally, the consolidation of the Corporation&#146;s branch office on 392 Springfield Avenue
in Summit, New Jersey during 2009 into its new office on 545 Morris Avenue in Summit, New Jersey resulted in improved efficiency and increased customer service. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">For the twelve months ended December 31, 2011, total salaries and benefits increased by $762,000 or 7.1 percent to $11.5 million primarily attributable to additions to office staff and merit increases for existing staff of approximately $515,000 and increased medical insurance expense of $40,000. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">34</P>

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<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Total non-interest income increased as a percentage of total revenue, which is the sum of interest income and non-interest income, in 2011 largely due to $3.6 million in net securities gains as compared to $1.3 million in net securities losses in 2010 as gains from sales of $4.0 million in 2011 were offset by impairment losses of $411,000<B>.</B> For the twelve months ended December 31, 2011, total other income increased $5.0 million as compared with the twelve months ended December 31, 2010, from $2.5 million to $7.5 million. Excluding net securities gains and losses in the respective periods, the Corporation recorded total other income of $3.8
million in both the twelve months ended December 31, 2011 and the twelve months ended December 31, 2010. Increases of $313,000 in other income were partially offset by decreases in service charges of $79,000 and bank-owned life insurance income of $188,000 caused by a one time premium benefit awarded in 2010 and not repeated in 2011. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Total assets at December 31, 2011 were $1.433 billion, an increase of 18.7 percent from assets of $1.207 billion at December 31, 2010. The increase in assets reflects the growth of $108.7 million in our investment securities portfolio as the Corporation sought to deploy cash from increased deposit production into a more efficient earning asset mix. The growth in the investment securities portfolio was funded primarily through deposit growth of $261.1 million, which also resulted in increases in cash and due from banks of $73.6 million and loans net of the allowance for loan losses of $46.8 million. The Corporation has made a concerted effort to
reduce non-core balances and, as mentioned in the preceding sentence, its uninvested cash position was increased by $73.6 million in 2011. Additionally, there has been a concerted effort to reduce higher costing retail deposits. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Loan demand improved in 2011. Overall, the portfolio increased year over year by approximately $46.8 million or 6.7 percent from 2010. Demand for commercial real estate loans prevailed throughout the year in the Corporation&#146;s market in New Jersey, despite the economic climate at both the state and national levels and market turmoil following the crisis in the sub-prime markets. The Corporation is encouraged by loan demand and positive momentum is expected to continue in growing that segment of earning assets in 2012. However, the Corporation continues to remain concerned with the credit stability of the broader markets due to the weakened
economic climate. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Asset quality continues to remain high and credit culture conservative. Even so, the stability of the economy and credit markets remains uncertain and as such, has had an impact on certain credits within our portfolio. The Corporation continued to make provisions to the allowance for loan losses as efforts are made to stabilize credit quality issues. At December 31, 2011, non-performing assets totaled $8.5 million or 0.59 percent of total assets, and $11.9 million or 0.98 percent at December 31, 2010. The decrease in non-performing assets from December 31, 2010 was achieved notwithstanding the addition of several new residential loans (totaling
approximately $2.6 million) and commercial loans (totaling approximately $1.4 million) into non-performing status. This was more than offset by decreases from pay-downs of $5.0 million, total charge-offs of $0.7 million of existing loans, and the transfer to performing troubled debt restructured from non-accrual status of $1.7 million. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">At December 31, 2011, the total allowance for loan losses amounted to approximately $9.6 million, or 1.27 percent of total loans. The allowance for loan losses as a percent of total non-performing loans amounted to 121.5 percent at December 31, 2011 and 74.6 percent at December 31, 2010. This increase in the ratio from December 31, 2010 to December 31, 2011 was due to the decrease in the level of non-performing assets, along with an increase in the allowance for loan loss from $8.9 million at December 31, 2010. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Deposits totaled $1.1 billion at December 31, 2011, increasing $261.1 million, or 30.3%, since December 31, 2010. Total Demand, Savings, Money Market, and certificates of deposit less than $100,000 increased $242.7 million or 32.8% from December 31, 2010. Time certificates of deposit of $100,000 or more increased by $18.3 million or 15.3% from December 31, 2010. These increases were attributable to continued core deposit growth in overall segments of the deposit base and in niche areas, such as municipal government, private schools and universities. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Certificates of deposit $100,000 and greater decreased to 12.3 percent of total deposits at December 31, 2011 from 13.9 percent one year earlier. Some of the Corporation&#146;s depositors have become sensitive to obtaining full FDIC insurance for their time deposits. To accommodate its customers, the Corporation began offering Certificates of Deposit Account Registry Service (CDARS) in 2008. </P>

</DIV>

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<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Total stockholders&#146; equity increased 12.4 percent in 2011 to $135.9 million, and represented 9.49 percent of total assets at year-end. Book value per common share (total common stockholders&#146; equity divided by the number of shares outstanding) increased to $7.63 as compared with $6.83 a year ago, primarily as a result of earnings of $13.9 million in 2011. Tangible book value per common share (which excludes goodwill and other intangibles from common stockholders&#146; equity) increased to $6.60 from $5.79 a year ago; see Item 6 of this Annual Report on Form 10-K for a reconciliation of tangible book value (which is a non-GAAP financial
measure) to book value. Return on average stockholders&#146; equity for the year ended December 31, 2011 was 10.72 percent compared to 6.30 percent for 2010. This increase was attributable to higher earnings in 2011 compared with 2010 partially offset by higher average equity due primarily to both the capital raise from the 2010 stock offering and benefit from the capital received under the SBLF program. The Tier I Leverage capital ratio decreased to 9.29 percent of total assets at December 31, 2011, as compared with 9.90 percent at December 31, 2010. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation&#146;s capital base includes $11.4 million in capital raised from the stock and rights offerings completed in 2010, as well as the $11.25 million of capital received from the U.S. Treasury under the Small Business Lending Fund Program in 2011 and simultaneously, using the proceed from issuance of SBLF preferred stock to redeem the $10 million of capital received from the U.S. Treasury under the Capital Purchase Program. It also includes $5.2 million in subordinated debentures at December 31, 2011 and December 31, 2010. This issuance of $5.0 million in floating rate MMCapS(SM) Securities occurred on December 19, 2003. These securities
presently are included as a component of Tier I capital for regulatory capital purposes. In accordance with FASB ASC 810, these securities are classified as subordinated debentures on the Corporation&#146;s Consolidated Statements of Condition. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation&#146;s risk-based capital ratios at December 31, 2011 were 12.00 percent for Tier I capital and 12.89 percent for total risk-based capital. Total Tier I capital increased to approximately $129.4 million at December 31, 2011 from $116.6 million at December 31, 2010. The increase in Tier I capital primarily reflects earnings and the new capital received during 2011. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation announced an increase in its common stock buyback program on September 28, 2007 and June 26, 2008, under which the Parent Corporation was authorized to purchase up to 2,039,731 shares of Center Bancorp&#146;s outstanding common stock. As of December 31, 2011, the Parent Corporation had repurchased 1,386,863 shares under the program at an average cost of $11.44 per share. As repurchases were restricted pursuant to the Parent Corporation&#146;s participation in TARP, there were no repurchases during 2011. On September 15, 2011, the Parent Corporation issued $11.25 million in nonvoting senior preferred stock to the Treasury under the
Small Business Lending Fund Program. Under the Securities Purchase Agreement, the Parent Corporation issued to the Treasury a total of 11,250 shares of the Parent Corporation&#146;s Senior Non-Cumulative Perpetual Preferred Stock, Series B, having a liquidation value of $1,000 per share. See Item 5 of this Annual Report on Form 10K. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following sections discuss the Corporation&#146;s Results of Operations, Asset and Liability Management, Liquidity and Capital Resources. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Results of Operations </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Net income for the year ended December 31, 2011 was 13,926,000 as compared to $7,004,000 earned in 2010 and $3,771,000 earned in 2009, an increase of 98.8 percent from 2010 to 2011. For 2011, the basic and fully diluted earnings per common share was $0.80 per share as compared with $0.43 per share in 2010 and $0.24 per share in 2009. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">For the year ended December 31, 2011, the Corporation&#146;s return on average stockholders&#146; equity (&#147;ROE&#148;) was 10.73 percent and its return on average assets (&#147;ROA&#148;) was 1.05 percent. The Corporation&#146;s return on average tangible stockholders&#146; equity (&#147;ROATE&#148;) was 12.33 percent for 2011. The comparable ratios for the year ended December 31, 2010, were ROE of 6.30 percent, ROA of 0.59 percent, and ROATE of 7.44 percent. See the discussion and reconciliation of ROATE, which is a non-GAAP financial measure, under Item 6 of this Annual Report on Form 10-K. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Earnings for 2011 benefitted from increases in net interest income and non interest income and from decreases in the provision for loan loss and non interest expense as increases in salaries and benefits and </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">36</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">OREO expenses were offset by reductions in FDIC insurance, marketing and advertising expense, costs related to the one time charges connected with a one-time termination fee in the first quarter of 2010 of $594,000 on a structured securities repurchase agreement that did not recur in 2011and a $437,000 loss on fixed assets which was recorded in 2010 and did not recur in 2011. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Net Interest Income </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table presents the components of net interest income on a tax-equivalent basis for the past three years </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 9pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="124"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="45"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="49"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="45"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="45"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="49"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="45"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="45"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="49"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="48"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>2009</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Amount</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Increase<BR> (Decrease)<BR> from<BR> Prior Year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Percent Change</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Amount</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Increase<BR> (Decrease)<BR> from<BR> Prior Year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Percent Change</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Amount</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Increase<BR> (Decrease)<BR> from<BR> Prior Year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Percent Change</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=35><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest income:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investment available-for-sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>14,049</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 2,990</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>27.04</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 11,059</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> (3,279</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(2.29</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>14,338</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(67</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1.24</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investment<BR> held-to-maturity</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,970</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,970</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>100.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loans, including fees</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>36,320</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(880</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(2.37</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>37,200</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>449</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.22</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>36,751</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>641</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.78</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Federal funds sold and securities purchased under agreements to resell</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(113</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(100.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Restricted investment in bank stocks</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>464</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(104</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(18.31</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>568</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>37</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6.97</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>531</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(63</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>8.25</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>52,803</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,976</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>8.14</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>48,827</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(2,793</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(5.41</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>51,620</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>398</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>0.78</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest expense:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,520</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(486</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(8.09</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,006</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(6,302</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(51.20</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12,308</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(979</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(7.37</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Borrowings</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6,657</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(2,122</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(24.17</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>8,779</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,558</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(15.07</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>10,337</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(471</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(4.36</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total interest expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>12,177</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(2,608</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(17.64</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>14,785</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(7,860</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(34.71</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>22,645</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,450</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(6.02</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net interest income on a fully tax-equivalent basis</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>40,626</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,584</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>19.34</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>34,042</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,067</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>17.49</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>28,975</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,848</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6.81</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Tax-equivalent adjustment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(876</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(763</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>675.22</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(113</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>397</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(77.84</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(510</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>818</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(61.60</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>39,750</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>5,821</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>17.16</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>33,929</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>5,464</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>19.20</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>28,465</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>2,666</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>10.33</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>


<P STYLE="text-align: left; text-indent: 1px"><IMG SRC="line.gif" STYLE="width: 72px; height: 1pt"></P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note: The tax-equivalent adjustment was computed based on an assumed statutory Federal income tax rate of 34 percent. Adjustments were made for interest earned on tax-advantaged instruments. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Historically, the most significant component of the Corporation&#146;s earnings has been net interest income, which is the difference between the interest earned on the portfolio of earning assets (principally loans and investments) and the interest paid for deposits and borrowings, which support these assets. There were several factors that affected net interest income during 2011, including the volume, pricing, mix and maturity of interest-earning assets and interest-bearing liabilities and interest rate fluctuations. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Net interest income is directly affected by changes in the volume and mix of interest-earning assets and interest-bearing liabilities, which support those assets, as well as changes in the rates earned and paid. Net interest income is presented in this financial review on a tax equivalent basis by adjusting tax-exempt income (primarily interest earned on various obligations of state and political subdivisions) by the amount of income tax which would have been paid had the assets been invested in taxable issues, and then in accordance with the Corporation&#146;s consolidated financial statements. Accordingly, the net interest income data presented in
this financial review differ from the Corporation&#146;s net interest income components of the Consolidated Financial Statements presented elsewhere in this report. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">37</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Net interest income, on a fully tax-equivalent basis, for the year ended December 31, 2011 increased $6.6 million, or 19.3 percent, to $40.6 million, from $34.0 million for 2010. The Corporation&#146;s net interest margin increased 23 basis points to 3.53 percent from 3.30 percent. From 2009 to 2010, net interest income on a tax equivalent basis increased by $5.0 million and the net interest margin increased by 45 basis points. During 2011, our net interest margin was positively impacted by increases in the investment portfolio and net loans funded by increases in core deposits, a decrease in high yielding time deposits in excess of $100,000 and
reductions in borrowings. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The change in net interest income from 2010 to 2011 was attributable in part to the reduction in short-term interest rates that occurred in 2008 and have remained at historic low levels throughout 2011 coupled with a sustained steepening of the interest rate yield curve. Steps were taken during 2010 and 2011 to improve the Corporation&#146;s net interest margin by continuing to lower rates in concert with the decline in market benchmark rates. However, in light of the financial crisis, the Corporation experienced growth of $23.0 million in non-interest bearing deposits during 2011 and, $219.8 million in savings, money market and time deposits under
$100,000 during 2011 as customers&#146; desire for safety and liquidity remained paramount in light of their overall investment concerns. During 2011, the Corporation made a concerted effort to reduce non-core, single service deposits, and accordingly its uninvested cash position, which had an adverse impact on the Corporation&#146;s net interest margin during 2011. However, during the twelve months ended December 31, 2011, the Corporation&#146;s net interest spread improved by 26 basis points as a 16 basis point decrease in the average yield on interest-earning assets was more than offset by a 42 basis point decrease in the average interest rates paid on interest-bearing liabilities. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">For the year ended December 31, 2011, average interest-earning assets increased by $121.5 million to $1.15 billion, as compared with the year ended December 31, 2010. The 2011 change in average interest-earning asset volume was primarily due to increased investment volume and to a lesser degree increased loan volume. Increased average investment volume in 2011 was funded primarily by the increased deposit growth. Average interest-bearing liabilities increased by $104.1 million, due primarily to increase in interest bearing deposits of $153.6 million partially offset by decreases in borrowings of $49.5 million. During the third quarter of 2011 certain
sweep relationships, in the amount of approximately $37 million, that were previously classified as short term borrowings were discontinued and were moved to interest bearing checking accounts. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">For the year ended December 31, 2010, average interest-earning assets increased by $12.3 million to $1.031 billion, as compared with the year ended December 31, 2009. The 2010 change in average interest-earning asset volume was primarily due to increased loan volume. Increased average loan volume in 2010 was funded primarily by the reduction of the uninvested cash position. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The factors underlying the year-to-year changes in net interest income are reflected in the tables presented on pages <a href="#tAVNI">39</a> and <a href="#tASCIAR">41</a>, each of which have been presented on a tax-equivalent basis (assuming a 34 percent tax rate). The table on page <a href="#tASCIAR">41</a> (Average Statements of Condition with Interest and Average Rates) shows the Corporation&#146;s consolidated average balance of assets, liabilities and stockholders&#146; equity, the amount of income produced from interest-earning assets and the amount of expense incurred from interest-bearing liabilities, and net interest income as a percentage of
average interest-earning assets. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">38</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Net Interest Margin </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table quantifies the impact on net interest income (on a tax-equivalent basis) resulting from changes in average balances and average rates over the past three years. Any change in interest income or expense attributable to both changes in volume and changes in rate has been allocated in proportion to the relationship of the absolute dollar amount of change in each category. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#tAVNI"></a>Analysis of Variance in Net Interest Income Due to Volume and Rates </H2>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="192"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="52"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="52"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="52"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="52"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="52"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="60"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>2011/2010<BR> Increase (Decrease)<BR> Due to Change in:</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>2010/2009<BR> Increase (Decrease)<BR> Due to Change in:</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Average<BR> Volume</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Average<BR> Rate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Net<BR> Change</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Average<BR> Volume</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Average<BR> Rate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Net<BR> Change</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=23><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest-earning assets:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investment securities:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Available for sale<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Taxable</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,885</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(55</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,830</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>700</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(2,813</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(2,113</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-Taxable</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,181</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(21</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,160</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,122</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(44</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,166</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Held to maturity<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Taxable</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>887</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>887</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-Taxable</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,083</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,083</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loans, net of unearned discount</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>510</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,390</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(880</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,002</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(553</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>449</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Restricted investment in bank stocks</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(59</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(45</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(104</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(12</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>49</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>37</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total interest-earning assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,487</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,511</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,976</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>568</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(3,361</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(2,793</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest-bearing liabilities:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Money market deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>461</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(305</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>156</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>54</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(749</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(695</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Savings deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>77</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(368</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(291</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>286</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,110</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(824</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Time deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>158</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(567</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(409</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,905</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(2,262</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(4,167</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Other interest-bearing deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>314</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(256</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>58</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>309</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(925</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(616</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Borrowings and subordinated debentures</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,701</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(421</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(2,122</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(709</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(849</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,558</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total interest-bearing liabilities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(691</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,917</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(2,608</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,965</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(5,895</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(7,860</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Change in net interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>6,178</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>406</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>6,584</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>2,533</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>2,534</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>5,067</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Interest income on a fully tax-equivalent basis for the year ended December 31, 2011 increased by approximately $4.0 million or 8.1 percent as compared with the year ended December 31, 2010. This increase was due primarily to an increase in balances of the Corporation&#146;s investment securities portfolios offset in part by a decline in rates due to the actions taken by the Federal Reserve to lower market interest rates. The Corporation&#146;s loan portfolio increased on average $4.5 million to $712.9 million from $708.4 million in 2010, primarily driven by growth in commercial loans and commercial real estate. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The loan portfolio represented approximately 61.9 percent of the Corporation&#146;s interest-earning assets (on average) during 2011 and 68.7 percent for 2010. Average investment securities increased during 2011 by $118.1 million compared to 2010 as the Corporation has continued to increase its concentration in tax-exempt securities and focused on purchases of lower risk-based mortgage backed securities. The average yield on interest-earning assets decreased from 4.74 percent in 2010 to 4.58 percent in 2011. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The increase in the volume of loans in 2011 primarily reflected increases in commercial and commercial real estate loans. The increase in the average volume on total interest-earning assets created an increase in interest income of $5.5 million, as compared with a decline of $1.5 million attributable to rate decreases in most interest-earning assets. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">39</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Interest income (fully tax-equivalent) decreased by $2.8 million from 2009 to 2010 primarily due to a decrease in balances of the Corporation&#146;s investment securities portfolios offset in part by an increase in the loan portfolio and a decline in rates due to the actions taken by the Federal Reserve to lower market interest rates. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Federal Open Market Committee (&#147;FOMC&#148;) kept the Federal Funds target rate at zero to 0.25 percent throughout 2011. This action by the FOMC allowed the Corporation to reduce liability costs throughout 2011. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Interest expense for the year ended December 31, 2011 was principally impacted by rate related factors. The rate related changes resulted in decreased expense on most interest-bearing deposits and borrowings in 2011. For the year ended December 31, 2011, interest expense decreased $2.6 million or 17.6 percent as compared with 2010. During 2011, the Corporation continued to lower rates in concert with the decline in market benchmark rates. The result was an improvement in the Corporation&#146;s cost of funds and net interest spread. Average interest-bearing liabilities increased $104.1 million; the growth was represented in all deposit categories as
the flight to quality continued as depositors sought the safety of FDIC insurance. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">For the year ended December 31, 2010, interest expense decreased $7.9 million or 34.7 percent as compared with 2009. Total interest-bearing liabilities decreased on average $72.1 million, primarily in CDARS Reciprocal deposits and in borrowings. The Corporation&#146;s net interest spread on a tax-equivalent basis (i.e., the average yield on average interest-earning assets, calculated on a tax equivalent basis, minus the average rate paid on interest-bearing liabilities) increased 26 basis points to 3.39 percent in 2011 from 3.13 percent for the year ended December 31, 2010. The increase in 2011 reflected an expansion of spreads between yields earned
on loans and investments and rates paid for supporting funds. During 2011, spreads improved due in part to monetary policy maintained by the FOMC keeping the Federal funds rate at zero to 0.25 percent throughout 2011 coupled with a steepening of the yield curve that occurred during 2011. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The net interest spread increased 34 basis points in 2010 as compared with 2009, primarily as a result of an expansion of spreads between yields earned on loans and investments and rates paid for supporting funds. During 2010, spreads improved due in part to monetary policy maintained by the FOMC keeping the Federal funds rate at zero to 0.25 percent throughout 2010 coupled with a steepening of the yield curve that occurred during 2010. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The cost of total average interest-bearing liabilities decreased to 1.19 percent, a decrease of 42 basis points, for the year ended December 31, 2011, from 1.61 percent for the year ended December 31, 2010, which followed a decrease of 67 basis points from 2.28 percent for the year ended December 31, 2009. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The contribution of non-interest-bearing sources (i.e., the differential between the average rate paid on all sources of funds and the average rate paid on interest-bearing sources) decreased to16 basis points, a decrease of 5 basis points in 2011 from 2010. Comparing 2010 and 2009, there was a decrease of 5 basis points to 21 basis points on average from 26 basis points on average during the year ended December 31, 2009. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">40</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table, &#147;Average Statements of Condition with Interest and Average Rates&#148;, presents for the years ended December 31, 2011, 2010 and 2009, the Corporation&#146;s average assets, liabilities and stockholders&#146; equity. The Corporation&#146;s net interest income, net interest spreads and net interest income as a percentage of interest-earning assets (net interest margin) are also reflected. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#tASCIAR"></a>AVERAGE STATEMENTS OF CONDITION WITH INTEREST AND AVERAGE RATES </H2>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="708" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 9pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="228"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="45"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="45"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="45"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="45"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="45"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="48"></TD>

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="228"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="45"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="45"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="45"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="45"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="45"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="48"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=35>Years Ended December 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>2009</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black"  ROWSPAN=1 COLSPAN=1>(Tax-Equivalent Basis)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Average<BR> Balance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Income/<BR> Expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Yield/<BR> Rate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Average<BR> Balance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Income/<BR> Expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Yield/<BR> Rate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Average<BR> Balance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Income/<BR> Expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Yield/<BR> Rate</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=35><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>ASSETS<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest-earning assets:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investment securities:<sup>&#040;1&#041;</sup><BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Available for sale<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 40pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Taxable</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>359,939</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12,556</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.49</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>305,927</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10,726</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.51</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>289,414</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12,839</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.44</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 40pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-taxable</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>28,067</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,493</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5.32</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,880</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>333</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5.66</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>25,677</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,499</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5.84</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Held to maturity<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 40pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Taxable</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>23,041</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>887</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.85</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 40pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-taxable</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>18,869</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,083</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5.74</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loans, net of unearned income:<sup>&#040;2&#041;</sup></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>712,895</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>36,320</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5.09</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>708,425</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>37,200</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5.25</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>692,562</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>36,751</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5.31</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Restricted investment in bank stocks</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>9,185</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>464</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5.05</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>10,293</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>568</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5.52</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>10,526</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>531</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5.04</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total interest-earning assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,151,996</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>52,803</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>4.58</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,030,525</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>48,827</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>4.74</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,018,179</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>51,620</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5.07</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-interest-earning assets:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cash and due from banks</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>99,607</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>81,681</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>128,156</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Bank owned life insurance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>28,405</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>27,045</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>24,941</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Intangible assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>16,930</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>16,993</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>17,069</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Other assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>33,984</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>36,817</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>42,980</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Allowance for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(9,660</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(8,579</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(6,916</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total non-interest earning assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>169,266</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>153,957</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>206,230</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,321,262</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,184,482</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,224,409</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>LIABILITIES &amp; STOCKHOLDERS&#146; EQUITY<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest-bearing liabilities:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Money market deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>204,664</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,096</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.54</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>127,614</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>940</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.74</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>123,427</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,635</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.32</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Savings deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>179,759</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>935</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.52</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>168,591</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,226</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.73</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>145,536</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,050</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.41</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Time deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>223,560</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,274</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.02</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>210,565</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,683</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.27</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>319,639</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,850</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.14</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Other interest-bearing deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>221,839</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,215</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.55</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>169,479</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,157</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.68</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>140,890</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,773</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.26</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Short-term and long-term borrowings</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>190,343</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,497</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.41</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>239,777</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,568</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.57</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>258,607</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10,146</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.92</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Subordinated debentures</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,155</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>160</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3.10</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,155</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>211</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>4.09</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,155</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>191</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3.71</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total interest-bearing liabilities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,025,320</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>12,177</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1.19</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>921,181</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>14,785</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1.61</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>993,254</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>22,645</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2.28</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-interest-bearing liabilities:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Demand deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>159,059</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>142,364</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>124,966</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Other non-interest-bearing deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>333</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other liabilities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>7,045</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>9,801</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>12,003</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total non-interest-bearing liabilities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>166,104</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>152,165</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>137,302</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Stockholders&#146; equity</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>129,838</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>111,136</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>93,853</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total liabilities and stockholders&#146; equity</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,321,262</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,184,482</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,224,409</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Net interest income (tax-equivalent basis)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>40,626</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>34,042</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>28,975</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Net interest spread</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3.39</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3.13</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2.79</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net interest income as percent of earning assets (margin)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>3.53</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>3.30</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>2.85</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Tax-equivalent adjustment<sup>&#040;3&#041;</sup></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(876</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(113</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(510</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>39,750</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>33,929</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>28,465</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>


<P STYLE="text-align: left; text-indent: 1px"><IMG SRC="line.gif" STYLE="width: 72px; height: 1pt"></P>

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          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">(1)</TD>

          <TD STYLE="text-align: left">Average balances for available-for-sale securities are based on amortized cost. </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

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          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">(2)</TD>

          <TD STYLE="text-align: left">Average balances for loans include loans on non-accrual status. </TD>

</TR>

</TABLE>

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          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">(3)</TD>

          <TD STYLE="text-align: left">The tax-equivalent adjustment was computed based on a statutory Federal income tax rate of 34 percent. </TD>

</TR>

</TABLE>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">41</P>

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<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Investment Portfolio </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">For the year ended December 31, 2011, the average volume of investment securities increased by $118.1 million to approximately $429.9 million or 37.3 percent of average earning assets, from $311.8 million on average, or 30.3 percent of average earning assets, in 2010. At December 31, 2011, the total investment portfolio amounted to $486.7 million, an increase of $108.7 million from December 31, 2010. The increase at year-end and average volume of investment securities reflects the fact that with the strong deposit growth experienced during 2011 and large buildup of liquidity, the Corporation began to prudently expand the size of its investment
portfolio in an effort to deploy excess cash into earning assets. At December 31, 2011, the principal components of the investment portfolio are U.S. Government Agency Obligations, Federal Agency Obligations including mortgage-backed securities, Obligations of U.S. states and political subdivision, corporate bonds and notes, and other debt and equity securities. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In the past, the Corporation&#146;s investment portfolio also consisted of overnight investments that were made in the Reserve Primary Fund (the &#147;Fund&#148;), a money market fund registered with the Securities and Exchange Commission as an investment company under the Investment Company Act of 1940. On September 22, 2008, the Fund announced that redemptions of shares of the Fund were suspended pursuant to an SEC order so that an orderly liquidation could be effected for the protection of the Fund&#146;s investors. Through December 31, 2011, the Corporation received six distributions from the Fund, totaling approximately 99 percent of its
outstanding balance. During the fourth quarter of 2009, the Corporation recorded a $364,000, or approximately 1 percent, other-than-temporary impairment charge to earnings relating to this court ordered liquidation of the Fund. The Corporation&#146;s outstanding carrying balance in the Fund as of December 31, 2011 was zero. Future liquidation distributions received by the Corporation, if any, will be recorded to earnings. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">During the year ended December 31, 2011, volume related factors increased investment revenue by $5.0 million, while rate related factors decreased investment revenue by $76,000. The tax-equivalent yield on investments increased by 18 basis points to 3.73 percent from a yield of 3.55 percent during the year ended December 31, 2010. The increase in the investment portfolio resulted from the large buildup of liquidity, which caused the Corporation to prudently expand the size of its investment portfolio in an effort to deploy excess cash into earning assets. The yield on the portfolio increased compared to 2010 due primarily to tax exempt securities
which, due to higher tax equivalent yields, improved the overall yield. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">During 2011, the Corporation reclassified at fair value approximately $66.8 million in available-for-sale investment securities to the held-to-maturity category. The related after-tax gains of approximately $159,000 (on a pre-tax basis of $245,000) remained in accumulated other comprehensive income and will be amortized over the remaining life of the securities as an adjustment of yield, offsetting the related amortization of the premium or accretion of the discount on the transferred securities. No gains or losses were recognized at the time of reclassification. Management considers the held-to-maturity classification of these investment securities
to be appropriate as the Corporation has the positive intent and ability to hold these securities to maturity. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation owns two pooled trust preferred securities (&#147;Pooled TRUPS&#148;), which consists of securities issued by financial institutions and insurance companies. The Corporation holds the mezzanine tranche of these securities. Senior tranches generally are protected from defaults by over-collateralization and cash flow default protection provided by subordinated tranches, with senior tranches having the greatest protection and mezzanine tranches subordinated to the senior tranches. One of the Pooled TRUPS, ALESCO VI, has incurred its eleventh interruption of cash flow payments to date. Management reviewed the expected cash flow analysis
and credit support to determine if it was probable that all principal and interest would be repaid, and no other-than-temporary impairment charges were recorded for the twelve months ended December 31, 2011. The new cost basis for this security had been written down to $290,000. The other Pooled TRUP, ALESCO VII, incurred its ninth interruption of cash flow payments to date. Management determined that no other-than-temporary impairment charge exists on this security as well for the twelve months ended December 31, 2011. The new cost basis for this security had been written down to $834,000. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">One of the Pooled TRUPS, ALESCO VI, incurred its seventh interruption of cash flow payments in 2010. Management reviewed the cash flow analysis and credit support to determine if it was probable that all principal and interest would be repaid, and recorded a $33,000 other-than-temporary impairment charge for the three months ended December 31, 2010 and $500,000 for the twelve months ended December 31, 2010, </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">42</P>

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<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">which represented 15.6 percent of the par amount of $3.2 million. At December 31, 2010 the new cost basis for this security had been written down to $227,000. The other Pooled TRUP incurred, ALESCO VII, its fifth interruption of cash flow payments to date. Management determined that an other-than-temporary impairment existed on this security as well and recorded a $677,000 charge during the fourth quarter of 2010, and $1.3 million for the twelve months ended December 31, 2010, which represented 41.9 percent of the par amount of $3.1 million. At December 31, 2010 the new cost basis for this security had been written down to $779,000. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation owns 3 variable rate private label collateralized mortgage obligations (CMO), which were also evaluated for impairment. Management had applied aggressive default rates to identify if any credit impairment exists, as these bonds were downgraded to below investment grade. The Corporation recorded $324,000 in principal losses and an $18,000 other-than-temporary impairment charge on these bonds in 2011, and expects additional losses in future periods. The new cost basis for these securities had been written down to $3.2 million. The Corporation recorded $398,000 in principal losses on these bonds and $360,000 other-than-temporary charge
in 2010. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Securities available-for-sale are a part of the Corporation&#146;s interest rate risk management strategy and may be sold in response to changes in interest rates, changes in prepayment risk, liquidity management and other factors. The Corporation continues to reposition the investment portfolio as part of an overall corporate-wide strategy to produce reasonable and consistent margins where feasible, while attempting to limit risks inherent in the Corporation&#146;s balance sheet. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">At December 31, 2011, the net unrealized loss carried as a component of accumulated other comprehensive income and included in stockholders&#146; equity, net of tax, amounted to a net unrealized loss of $2.2 million as compared with a net unrealized loss of $5.3 million at December 31, 2010, resulting from changes in market conditions and interest rates at December 31, 2011. As a result of the inactive condition of the markets amidst the financial crisis, the Corporation elected to treat certain securities under a permissible alternate valuation approach at December 31, 2011 and 2010. For additional information regarding the Corporation&#146;s
investment portfolio, see Note 4 and Note 18 of the Notes to the Consolidated Financial Statements. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">During 2011, securities sold from the Corporation&#146;s available-for-sale portfolio amounted to $254.8 million, as compared with $644.1 million in 2010. The gross realized gains on securities sold amounted to approximately $4,045,000 in 2011 compared to $4,872,000 in 2010, while the gross realized losses, which included impairment charges of $342,000, amounted to approximately $411,000 in 2011 compared to $635,000 in 2010. During 2011, the Corporation recorded an $18,000 loss on Other Than Temporary Impairment charges on a variable rate private label CMO and $324,000 in principal losses on the same variable rate private label CMO. During 2010, the
Corporation recorded a $3.0 million other-than-temporary charge on its trust preferred securities, $1.8 million on two pooled trust preferred securities and $360,000 on a variable rate private label CMO and $398,000 in principal losses on this variable rate private label CMO. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">43</P>

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<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The table below illustrates the maturity distribution and weighted average yield on a tax-equivalent basis for investment securities at December 31, 2011, on a contractual maturity basis. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

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          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

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          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

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          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="59"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="49"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="48"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3><FONT STYLE="font-size: 7.5pt">Federal<BR> Agency<BR> Obligations</FONT></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3><FONT STYLE="font-size: 7.5pt">Residential<BR>Mortgage<BR>Pass-through<BR> Securities</FONT></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3><FONT STYLE="font-size: 7.5pt">Commercial<BR> Mortgage<BR> Pass-through<BR> Securities</FONT></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3><FONT STYLE="font-size: 7.5pt">Obligations in<BR> U.S. States &amp;<BR> Political<BR> Subdivisions</FONT></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3><FONT STYLE="font-size: 7.5pt">Trust<BR> Preferred</FONT></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3><FONT STYLE="font-size: 7.5pt">Corporate<BR> Bonds &amp;<BR> Notes</FONT></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3><FONT STYLE="font-size: 7.5pt">Collateralized<BR> Mortgage<BR> Obligations</FONT></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3><FONT STYLE="font-size: 7.5pt">Asset-backed<BR> Securities</FONT></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3><FONT STYLE="font-size: 7.5pt">Equity<BR> Securities</FONT></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3><FONT STYLE="font-size: 7.5pt">Total</FONT></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;(Dollars in thousands)</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Investment Securities Available-for-Sale<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Due in 1 year or less<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Amortized Cost</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,143</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,143</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Market Value</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,118</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,118</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Weighted Average Yield</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.91</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.91</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Due after one year through five years<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Amortized Cost</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>43</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,055</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>79,700</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>81,798</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Market Value</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>43</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,049</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>79,046</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>81,138</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Weighted Average Yield</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.90</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.53</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.55</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.52</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Due after five years through ten years<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Amortized Cost</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>44</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,507</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>16,113</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>88,521</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,716</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>113,901</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Market Value</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>45</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,577</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>16,821</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>86,520</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,769</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>112,732</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Weighted Average Yield</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.04</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.67</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.25</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.43</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.83</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Due after ten years<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Amortized Cost</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>24,694</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>107,706</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>48,141</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>20,567</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,448</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,226</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,898</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,417</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>218,097</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Market Value</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>24,881</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>109,787</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>50,303</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>16,187</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,433</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,899</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,884</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,145</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>216,519</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Weighted Average Yield</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.18</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.18</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.58</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5.93</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5.52</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.91</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.78</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.36</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total Investment Securities AFS<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Amortized Cost</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>24,781</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>113,213</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>66,309</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>20,567</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>175,812</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,226</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,614</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,417</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>417,939</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Market Value</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>24,969</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>115,364</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>69,173</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>16,187</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>173,117</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,899</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,653</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,145</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>414,507</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Weighted Average Yield</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.18</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.12</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.30</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5.93</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.45</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.91</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.63</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.31</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Investment Securities Held-to-Maturity<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Due after five years through ten years<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Amortized Cost</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,133</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,326</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,459</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Market Value</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,071</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,435</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,506</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Weighted Average Yield</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.20</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.92</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.41</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Due after ten years</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Amortized Cost</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>28,262</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,143</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>36,369</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>67,774</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Market Value</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>28,405</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,136</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>38,875</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>70,416</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Weighted Average Yield</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.23</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.39</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.14</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.94</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total Investment Securities HTM</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Amortized Cost</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>28,262</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,276</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>37,695</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>72,233</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Market Value</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>28,405</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,207</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>40,310</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>74,922</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Weighted Average Yield</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.23</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.30</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.10</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.85</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Total Investment Securities<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Amortized Cost</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>53,043</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>113,213</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,276</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>104,004</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>20,567</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>175,812</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,226</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,614</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,417</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>490,172</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Market Value</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>53,374</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>115,364</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,207</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>109,483</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>16,187</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>173,117</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,899</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,653</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,145</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>489,429</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Weighted Average Yield</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.07</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.12</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.30</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.59</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5.93</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.45</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.91</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.63</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.39</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">44</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">For information regarding the carrying value of the investment portfolio, see Note 4 and Note 18 of the Notes to the Consolidated Financial Statements. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The securities listed in the table above are either rated investment grade by Moody&#146;s and/or Standard and Poor&#146;s or have shadow credit ratings from a credit agency supporting investment grade and conform to the Corporation&#146;s investment policy guidelines. There were no municipal securities of any single issuer exceeding 10 percent of stockholders&#146; equity at December 31, 2011. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Equity securities included in other debt and equity securities do not have a contractual maturity and are included in the Due after ten years maturity in the table above. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table sets forth the carrying value of the Corporation&#146;s investment securities, as of December 31 for each of the last three years. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="360"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2009</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investment Securities Available-for-Sale:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>U.S. treasury &amp; agency Securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,995</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,089</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Federal agency obligations</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>24,969</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>68,481</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>128,365</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Residential mortgage pass-through securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>115,364</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>177,733</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>86,220</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Obligations of U.S. States and political subdivisions</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>69,173</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>37,225</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>19,281</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Trust preferred securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>16,187</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>18,731</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>26,715</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Corporate bonds and notes</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>173,117</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>61,434</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>22,655</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Collateralized mortgage obligations</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,899</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,728</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,266</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Asset-backed securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,653</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Equity securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6,145</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>4,753</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,533</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>414,507</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>378,080</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>298,124</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investment Securities Held-to-Maturity:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Federal Agency Obligations</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>28,262</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial mortgage-backed securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,276</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Obligations of U.S. States and political subdivisions</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>37,695</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>72,233</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total investment securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>486,740</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>378,080</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>298,124</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">For other information regarding the Corporation&#146;s investment securities portfolio, see Note 4 and Note 18 of the Notes to the Consolidated Financial Statements. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Loan Portfolio </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Lending is one of the Corporation&#146;s primary business activities. The Corporation&#146;s loan portfolio consists of both retail and commercial loans, serving the diverse customer base in its market area. The composition of the Corporation&#146;s loan portfolio continues to change due to the local economy. Factors such as the economic climate, interest rates, real estate values and employment all contribute to these changes. While the overall economy has been restrictive and somewhat constrained by the uncertain economic environment, the Corporation&#146;s growth in loans continued during 2011. Enhanced visibility in its markets coupled with the
aggressive business development activities of its sales team has continued to enhance its image and business prospects. The Corporation continues to see economic instability in the near term and therefore expects to move cautiously in the growth process into 2012. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">At December 31, 2011, total loans amounted to $756.0 million, an increase of 6.7 percent or $47.6 million as compared to December 31, 2010. The $880,000 or 2.4 percent decrease in interest income on loans for the twelve months ended December 31, 2011 was the result of a lower interest rate environment as compared with 2010, offset in part by increased volume. Even though the Corporation continues to be challenged by the competition for lending relationships that exists within its market, growth in volume has been achieved through successful lending sales efforts to build on continued customer relationships. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">45</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Total average loan volume increased $4.5 million or 0.63 percent in 2011, while the portfolio yield decreased by 16 basis points compared with 2010. The increased total average loan volume was due in part to enhanced visibility in the Corporation&#146;s markets coupled with the aggressive business development activities of its sales team. The volume related factors during the period contributed increased revenue of $510,000, while the rate related changes decreased revenue by $1.4 million. Total average loan volume increased to $712.9 million with a net interest yield of 5.09 percent, compared to $708.4 million with a yield of 5.25 percent for the
year ended December 31, 2010. The Corporation seeks to create growth in commercial lending by offering sound products and competitive pricing and by capitalizing on new and existing relationships in its market area. Products are offered to meet the financial requirements of the Corporation&#146;s clients. It is the objective of the Corporation&#146;s credit policies to diversify the commercial loan portfolio to limit concentrations in any single industry. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table presents information regarding the components of the Corporation&#146;s loan portfolio on the dates indicated. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="240"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>December 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2009</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2008</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2007</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial and industrial</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>146,662</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>121,034</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>117,912</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>75,415</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>65,493</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>408,010</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>372,001</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>358,957</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>316,509</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>167,978</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Construction</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>39,382</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>49,744</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>51,099</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>41,885</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>51,378</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Residential mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>160,999</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>165,154</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>191,199</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>240,885</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>266,251</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Installment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>957</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>511</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>439</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,509</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>569</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>756,010</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>708,444</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>719,606</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>676,203</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>551,669</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Less:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Allowance for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>9,602</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>8,867</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>8,711</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6,254</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,163</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>746,408</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>699,577</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>710,895</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>669,949</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>546,506</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Included in the loan balances above are net deferred loan costs of $17,000, $258,000, $391,000, $572,000 and $579,000 at December 31, 2011, 2010, 2009, 2008 and 2007, respectively. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Over the past five years, demand for the Bank&#146;s commercial and commercial real estate loan products has increased. The increase in commercial loans in 2011 was a result of the expansion of the Corporation&#146;s customer base, aggressive business development and marketing programs coupled with its positive image in its market. While growth in certain sectors of the Banks&#146; market, such as consumer real estate products, was severely stressed during most of 2008, the Corporation experienced an increased growth in its commercial lending sales efforts during 2010 and 2011 as it continued to benefit from the Corporation&#146;s primary core
customer base. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Average commercial loans, which include commercial real estate and construction, increased to $559.7 million for the year ended December 31, 2011 compared to $532.4 million for the year ended December 31, 2010 or by approximately $27.3 million or 5.2 percent in 2011 compared with 2010. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation&#146;s commercial loan portfolio includes, in addition to real estate development, loans to manufacturing, automobile, professional and retail trade sectors, and to specialized borrowers, such as operators of private educational facilities, for example. A large proportion of the Corporation&#146;s commercial loans have interest rates that reprice with changes in short-term market interest rates or mature in one year or less. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Average commercial real estate loans, which amounted to $319.7 million in 2011, increased $23.1 million or 7.8 percent as compared with average commercial real estate loans of $296.6 million in 2010 (which reflected a 27.3 percent increase over 2009). The Corporation&#146;s long-term mortgage portfolio includes both residential and commercial financing. Growth during the past two years largely reflected brisk activity in new lending activity and mortgage financing. The interest rates on a portion of the Corporation&#146;s commercial </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">46</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">mortgages adjust to changes in indices such as the 5 and 10-year Treasury Notes, and the Federal Home Loan Bank of New York 5 and 10-year advance rate. Interest rate changes usually occur at each five-year anniversary of the loan. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The average volume of residential mortgage loans, including home equity loans, declined $22.8 million or 13.0 percent in 2011 as compared to 2010. During 2011, residential loan growth was affected by the slowdown in the housing market, brisk refinancing activity into fixed rate loans due principally to the current historic low rate environment and competition among lenders. Fixed rate residential and home equity loans have recently become a popular choice among homeowners, either through refinancing or new loans, as consumers wish to lock in historically low fixed rates. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Average construction loans and other temporary mortgage financing decreased by $8.7 million to $45.1 million in 2011 from $53.8 million in 2010. The average volume of such loans increased by $4.4 million from 2009 to 2010. Interest rates on such mortgages are generally tied to key short-term market interest rates. Funds are typically advanced to the builder or developer during various stages of construction and upon completion of the project. It is contemplated that the loans will be repaid by cash flows derived from sales within the project or, where appropriate, conversion to permanent financing. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Loans to individuals include personal loans, student loans, and home improvement loans, as well as financing for automobiles. Such loans averaged $363,000 in 2011, compared with $704,000 in 2010 and $773,000 in 2009. The decrease in loans to individuals during 2011 was due in part to decreases in volumes of new personal loans (single-pay). </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Home equity loans, inclusive of home equity lines, as well as traditional secondary mortgage loans, are popular with consumers due to their tax advantages over other forms of consumer borrowing. Home equity loans and secondary mortgages averaged $58.2 million in 2011, a decrease of $12.5 million or 17.7 percent compared to an average of $70.7 million in 2010 and $89.2 million in 2009. Interest rates on floating rate home equity lines are generally tied to the prime rate while most other loans to individuals, including fixed rate home equity loans, are medium-term (ranging between one-to-ten years) and carry fixed interest rates. The decrease in home
equity loans outstanding during 2011 was due in part to the recent slowdown in the housing market and lower consumer spending. Additionally, floating rate home equity lines became less attractive during 2011 as consumers took advantage of historically low interest rates or opted to convert these loan balances into fixed rate loan products. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">At December 31, 2011, the Corporation had total loan commitments outstanding of $178.9 million, of which approximately 68.4 percent were for commercial loans, commercial real estate loans and construction loans. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The maturities of loans at December 31, 2011 are listed below. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="280"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=15>At December 31, 2011, Maturing</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>In<BR> One Year<BR> or Less</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>After<BR> One Year<BR> through<BR> Five Years</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>After<BR> Five Years</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Total</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=15><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Construction loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>29,472</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,720</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,190</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>39,382</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial real estate loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>67,167</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>156,577</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>184,266</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>408,010</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Residential real estate loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>37,451</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>30,432</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>93,116</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>160,999</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial and industrial</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>87,453</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>53,578</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,631</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>146,662</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>All other loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>838</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>64</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>55</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>957</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>222,381</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>248,371</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>285,258</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>756,010</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loans with:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Fixed rates</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>102,524</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>113,818</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>258,322</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>474,664</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Variable rates</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>119,857</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>134,553</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>26,936</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>281,346</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>222,381</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>248,371</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>285,258</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>756,010</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">For additional information regarding loans, see Note 5 of the Notes to the Consolidated Financial Statements. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">47</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

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<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Allowance for Loan Losses and Related Provision </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The purpose of the allowance for loan losses (&#147;allowance&#148;) is to absorb the impact of probable losses inherent in the loan portfolio. Additions to the allowance are made through provisions charged against current operations and through recoveries made on loans previously charged-off. The allowance for loan losses is maintained at an amount considered adequate by management to provide for potential credit losses based upon a periodic evaluation of the risk characteristics of the loan portfolio. In establishing an appropriate allowance, an assessment of the individual borrowers, a determination of the value of the underlying collateral, a
review of historical loss experience and an analysis of the levels and trends of loan categories, delinquencies and problem loans are considered. Such factors as the level and trend of interest rates, current economic conditions and peer group statistics are also reviewed. At year-end 2011, the level of the allowance was $9,602,000 as compared to a level of $8,867,000 at December 31, 2010. The Corporation made loan loss provisions of $2,448,000 in 2011 compared with $5,076,000 in 2010 and $4,597,000 in 2009. The level of the allowance during the respective annual periods of 2011 and 2010 reflects the change in average volume, credit quality within the loan portfolio, the level of charge-offs, loan volume recorded during the periods and the Corporation&#146;s focus on the changing composition of the commercial and residential real estate loan portfolios. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">At December 31, 2011, the allowance for loan losses amounted to 1.27 percent of total loans. In management&#146;s view, the level of the allowance at December 31, 2011 is adequate to cover losses inherent in the loan portfolio. Management&#146;s judgment regarding the adequacy of the allowance constitutes a &#147;Forward Looking Statement&#148; under the Private Securities Litigation Reform Act of 1995. Actual results could differ materially from management&#146;s analysis, based principally upon the factors considered by management in establishing the allowance. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Although management uses the best information available, the level of the allowance for loan losses remains an estimate, which is subject to significant judgment and short-term change. Various regulatory agencies, as an integral part of their examination process, periodically review the Corporation&#146;s allowance for loan losses. Such agencies may require the Corporation to increase the allowance based on their analysis of information available to them at the time of their examination. Furthermore, the majority of the Corporation&#146;s loans are secured by real estate in the State of New Jersey. Future adjustments to the allowance may be necessary
due to economic factors impacting New Jersey real estate and further deterioration of the economic climate as well as operating, regulatory and other conditions beyond the Corporation&#146;s control. The allowance for loan losses as a percentage of total loans amounted to 1.27 percent, 1.25 percent and 1.21 percent at December 31, 2011, 2010 and 2009, respectively. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Net charge-offs were $1,713,000 in 2011, $4,920,000 in 2010 and $2,140,000 in 2009. During 2011, the Corporation experienced a decrease in charge-offs and an increase in recoveries compared to 2010. Charge-offs were lower in all loan portfolio segments in 2011 than in 2010 and recoveries were higher in all loan portfolio segments in 2011 than in 2010. The most noticeable change is the dramatic reduction in charge-offs in the Residential portfolio as the need for further write downs, due to distress in the single family housing market, subsided in 2011. Commercial Loan charge-offs were 40.7% lower in 2011 compared to 2010. Over half of the Commercial
Loan charge-offs related to a single non-accrual participation loan that was subsequently placed into OREO during the fourth quarter of 2011 followed by the Corporation&#146;s disposal of its ownership interest prior to December 31, 2011. Under $100 thousand in Commercial charge-offs in 2011 were associated with previously disclosed industrial warehouse construction loan project participated with and led by another New Jersey bank. The Corporation&#146;s entire interest in that project was repurchased by the lead bank during the fourth quarter of 2011. During 2010, the Corporation took further write downs of $1.9 million associated with a previously disclosed construction project related to industrial warehouses. In addition, distress in the single family housing market caused the Corporation to recognize write downs of $1.6 million and two commercial and industrial loans were the prime contributors of the write downs of $1.1 million in commercial and industrial loans. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">48</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Five-Year Statistical Allowance for Loan Losses </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table reflects the relationship of loan volume, the provision and allowance for loan losses and net charge-offs for the past five years. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="240"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>Years Ended December 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2009</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2008</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2007</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Average loans outstanding</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>712,895</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>708,425</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>692,562</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>622,533</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>541,297</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total loans at end of period</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>756,010</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>708,444</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>719,606</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>676,203</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>551,669</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Analysis of the Allowance for Loan Losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Balance at the beginning of year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,867</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,711</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,254</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,163</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,960</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Charge-offs:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial and Construction</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,985</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,348</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,122</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>444</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>45</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Residential</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>23</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,552</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>20</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>80</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Installment loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>20</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>40</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>26</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>35</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>31</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total charge-offs</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,028</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>4,940</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,152</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>499</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>156</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Recoveries:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial and Construction</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>255</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Residential</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>53</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Installment loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>7</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>7</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total recoveries</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>315</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>20</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>12</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>29</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>9</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net charge-offs</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,713</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,920</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,140</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>470</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>147</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Provision for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,448</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,076</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,597</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,561</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>350</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Balance at end of year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,602</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,867</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,711</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,254</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,163</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Ratio of net charge-offs during the year to average loans outstanding during the year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.24</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.69</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.31</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.08</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.03</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Allowance for loan losses as a percentage of total loans at end of year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.27</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.25</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.21</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.92</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.94</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">For additional information regarding loans, see Note 5 of the Notes to the Consolidated Financial Statements </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Implicit in the lending function is the fact that loan losses will be experienced and that the risk of loss will vary with the type of loan being made, the creditworthiness of the borrower and prevailing economic conditions. The allowance for loan losses has been allocated in the table below according to the estimated amount deemed to be reasonably necessary to provide for the possibility of losses being incurred within the following categories of loans at December 31, for each of the past five years. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The table below shows, for three types of loans, the amounts of the allowance allocable to such loans and the percentage of such loans to total loans. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="92"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="60"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>Commercial</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>Real Estate<BR> Residential Mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>Installment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>Unallocated</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Amount of<BR> Allowance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Loans to<BR> Total Loans<BR>%</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Amount of<BR> Allowance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Loans to<BR> Total Loans<BR>%</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Amount of<BR> Allowance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Loans to<BR> Total Loans<BR>%</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Amount of<BR> Allowance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Total</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=31><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,206</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>78.6</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,263</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>21.3</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>51</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.1</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>82</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,602</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,538</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>76.6</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,038</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>23.3</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>52</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.1</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>239</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,867</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2009</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,314</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>73.3</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,242</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>26.6</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>56</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.1</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>99</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,711</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2008</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,473</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>64.2</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>651</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>35.6</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>60</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.2</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>70</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,254</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2007</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,167</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>51.6</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>727</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>48.3</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>49</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.1</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>220</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,163</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">49</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Asset Quality </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation manages asset quality and credit risk by maintaining diversification in its loan portfolio and through review processes that include analysis of credit requests and ongoing examination of outstanding loans and delinquencies, with particular attention to portfolio dynamics and mix. The Corporation strives to identify loans experiencing difficulty early enough to correct the problems, to record charge-offs promptly based on realistic assessments of current collateral values, and to maintain an adequate allowance for loan losses at all times. These practices have protected the Corporation during economic downturns and periods of
uncertainty. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">It is generally the Corporation&#146;s policy to discontinue interest accruals once a loan is past due as to interest or principal payments for a period of ninety days. When a loan is placed on non-accrual status, interest accruals cease and uncollected accrued interest is reversed and charged against current income. Payments received on non-accrual loans are applied against principal. A loan may only be restored to an accruing basis when it again becomes well secured and in the process of collection or all past due amounts have been collected and a satisfactory period of ongoing repayment exists. Accruing loans past due 90 days or more are generally
well secured and in the process of collection. For additional information regarding loans, see Note 5 of the Notes to the Consolidated Financial Statements. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Non-Performing and Past Due Loans and OREO </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Non-performing loans include non-accrual loans and accruing loans which are contractually past due 90 days or more. Non-accrual loans represent loans on which interest accruals have been suspended. It is the Corporation&#146;s general policy to consider the charge-off of loans when they become contractually past due ninety days or more as to interest or principal payments or when other internal or external factors indicate that collection of principal or interest is doubtful. Troubled debt restructurings represent loans on which a concession was granted to a borrower, such as a reduction in interest rate to a rate lower than the current market rate
for new debt with similar risks, and which are currently performing in accordance with the modified terms. The Corporation previously reported performing troubled debt restructured loans as a component of non-performing assets. For additional information regarding loans, see Note 5 of the Notes to the Consolidated Financial Statements. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table sets forth, as of the dates indicated, the amount of the Corporation&#146;s non-accrual loans, accruing loans past due 90 days or more, other real estate owned (&#147;OREO&#148;) and troubled debt restructurings. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="240"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>At December 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2009</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2008</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2007</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-accrual loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,871</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11,174</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11,245</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>541</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,907</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Accruing loans past due 90 days or more</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,029</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>714</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>39</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>139</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total non-performing loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,900</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11,888</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11,284</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>680</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,907</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>OREO</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>591</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,949</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>501</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total non-performing assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>8,491</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>11,888</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>11,284</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>4,629</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>4,408</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Troubled debt restructuring&nbsp;&#151;&nbsp;performing</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>7,459</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>7,035</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>966</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>93</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">At December 31, 2011, non-performing assets totaled $8.5 million, or 0.59% of total assets, as compared with $11.9 million, or 0.98%, at December 31, 2010. The decrease from December 31, 2010 was achieved notwithstanding the addition of several new residential loans (totaling approximately $2.6 million) and commercial loans (totaling approximately $1.4 million) into non-performing status. This was more than offset by decreases from pay-downs of $5.0 million, total charge-offs of $0.7 million of existing loans, and the transfer to performing troubled debt restructured from non-accrual status of $1.7 million. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">50</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Total non-accrual loans remained relatively even from December 31, 2009 to December 31, 2010. A $2.2 million single family residential loan previously classified as a non-accrual loan was transferred to OREO during 2010 and subsequently sold in the fourth quarter of 2010. In addition, a $1.9 million net charge off was taken on a loan participation during 2010. On the other hand, a construction participation loan in the amount of $3.6 million went into non-accrual status in the fourth quarter of 2010. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The components of accruing loans, which are contractually past due 90 days or more as to principal or interest payments, are as follows: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="240"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>December 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2009</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2008</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2007</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,029</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Residential</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>714</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>39</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>139</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Installment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total accruing loans 90 days or more past due</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,029</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>714</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>&nbsp;39</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>139</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>&nbsp;&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The balance at December 31, 2011 is comprised of two commercial loan relationships totaling $1,029,000. At December 31, 2011, both loans in question were well secured and in the process of collection. In both relationships, the Corporation is receiving rental payments directly from the respective tenants that are being used to defray real estate tax expense as well as making loan payments. Because neither relationship has brought their loans current, the Corporation is continuing the foreclosure process. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">TDR Increase </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Troubled Debt Restructured loans (&#147;TDR&#146;s&#148;) at December 31, 2011 totaled $11.1 million of which $7.5 million were performing pursuant to the terms of their respective modifications. The level of performing TDR&#146;s increased during 2011 by the addition of five residential loans totalling $1,575,000 and one commercial loan totalling $1,318,000. This was offset by payments and payoffs to existing TDR&#146;s totalling $1,002,000. All but $1,000 of these payments were for commercial loan TDR&#146;s. Another two residential TDR&#146;s totalling $1,502,000 was returned to their original contractual loan terms. The net increase for 2011 in
performing TDR&#146;s totaled $424,000. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Other known &#147;potential problem loans&#148; (as defined by SEC regulations) as of December 31, 2011 have been identified and internally risk rated as assets especially mentioned or substandard. Such loans, which include non-performing assets and troubled debt restructuring included in the table above, amounted to $48,976,000, $38,382,000 and $20,048,000 at December 31, 2011, 2010 and 2009, respectively. The increase at December 31, 2011 and December 31, 2010 reflects continued deterioration in the quality of certain loans. The risk rating of assets is a dynamic environment wherein through on-going examination certain assets may be downgraded or
upgraded as circumstances warrant. During 2011, the Corporation internally risk rated as assets especially mentioned or substandard a total of $21,455,000 new commercial loans and $3,912,000 new residential loans. This was partially offset by upgrades to an internal pass risk rating of $3,943,000 in commercial loans and $1,502,000 of residential loans. Payoffs of commercial and residential loans totaled $6,258,000. Charge-offs and transfers to Other Real Estate Owned accounted for $1,176,000. A final mitigant came from continued principal reductions on other potential problem loans. With the exception of non-accrual loans and loans past due 90 days or more and accruing, potential problem loans were performing as of December 31, 2011. The Corporation has no foreign loans. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">At December 31, 2011, other than the loans set forth above, the Corporation is not aware of any loans which present serious doubts as to the ability of its borrowers to comply with present loan repayment terms and which are expected to fall into one of the categories set forth in the tables or description above. At December 31, 2010, the Corporation&#146;s doubtful loans amounted to $2,277,000. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">With respect to concentrations of credit within the Corporation&#146;s loan portfolio at December 31, 2011, $12.7 million or 2.1% of the commercial loan portfolio represented outstanding working capital loans to various real estate developers. $4.3 million of these loans are secured by mortgages on land and on buildings under construction. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">51</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">For additional information regarding risk elements in the Corporation&#146;s loan portfolio, see Note 5 of the Notes to Consolidated Financial Statements. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Other Income </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table presents the principal categories of non-interest income for each of the years in the three-year period ended December 31, 2011. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="192"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="52"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="52"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="52"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="52"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="52"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="60"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=23>Years Ended December 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>% Change</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2009</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>% Change</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=23><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Service charges, commissions and fees</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,896</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,975</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(4.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,975</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,835</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7.63</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Annuity &amp; insurance commissions</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>110</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>123</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(10.57</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>123</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>126</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(2.38</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Bank-owned life insurance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,038</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,226</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(15.33</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,226</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,156</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6.06</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net securities gains (losses)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,634</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,339</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>371.40</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,339</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>491</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(372.71</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>800</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>487</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>64.27</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>487</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>298</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>63.42</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total other income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>7,478</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>2,472</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>202.51</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>2,472</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>3,906</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(36.71</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)%<!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">For the period ended December 31, 2011, total other income increased $5.0 million compared to 2010, primarily as a result of net securities gains in 2011 compared to net securities losses in 2010. Excluding net securities gains and losses in the respective periods, the Corporation recorded other income of $3.8 million in the year ended December 31, 2011 and in the year ended December 31, 2010. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">During 2011, the Corporation recorded net securities gains of $3.6 million compared to net securities losses of $1.3 million in 2010 and net gains of $491,000 recorded in 2009. In 2011, total other-than-temporary impairment charges of $342,000 were offset by net gains on securities sold of $4.0 million. During 2011, securities sold from the Corporation&#146;s available-for-sale portfolio amounted to approximately $254.8 million compared to approximately $644.1 million in 2010. The gross realized gains on securities sold amounted to approximately $4.0 million in 2011 compared to $4.9 million in 2010, while the gross realized losses amounted to
approximately $411,000 in 2011 compared to $635,000 in 2010. The proceeds from the sales of securities were made in the normal course of business and were primarily reinvested into the loan portfolio. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">During 2011, the Corporation recorded an other-than-temporary impairment charge of $18,000 on a variable rate private label CMO and $324,000 in principal losses on a variable rate private label CMO. For the year ended December 31, 2010, these impairment charges consisted of a $3.0 million other-than-temporary impairment charge on its trust preferred securities, $1.8 million on two pooled trust preferred securities, $360,000 on a variable rate private label CMO and $398,000 in principal losses on a variable rate private label CMO. For the year ended December 31, 2009 these impairment charges consisted of $3.4 million relating to two pooled trust
preferred securities, $364,000 relating to the Corporation&#146;s investment in the Reserve Primary Fund, $188,000 relating to a variable rate private label CMO, a $140,000 charge relating to a Lehman Brothers bond and a $113,000 write down relating to one equity holding in bank stocks. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Other Expense </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Total other expense includes salaries and employee benefits, net occupancy expense, premises and equipment expense, professional and consulting expense, stationery and printing expense, marketing and advertising expense, computer expense and other operating expense. Other operating expense includes such expenses as telephone, insurance, audit, bank correspondent fees and the amortization of core deposit intangibles. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">52</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

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<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table presents the principal categories of other expense for each of the years in the three-year period ended December 31, 2011. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="192"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="52"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="52"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="52"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="52"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="52"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="60"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=23>Year Ended December 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>% Change</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2009</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>% Change</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=23><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Salaries and employee benefits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11,527</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10,765</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7.08</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10,765</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,915</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8.57</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Occupancy, net</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,021</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,088</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(3.21</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,088</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,536</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(17.67</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Premises and equipment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>926</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,093</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(15.28</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,093</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,263</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(13.46</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>FDIC insurance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,712</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,126</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(19.47</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,126</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,055</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.45</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Professional and consulting</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,156</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,121</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.12</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,121</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>811</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>38.22</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Stationery and printing</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>368</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>316</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>16.46</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>316</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>339</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(6.78</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Marketing and advertising</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>131</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>268</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(51.12</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>268</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>366</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(26.78</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Computer expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,312</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,366</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(3.95</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,366</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>964</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>41.70</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>OREO expense, net</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>398</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>284</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>40.14</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>284</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,438</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(80.25</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loss on fixed assets, net</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>427</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(100.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>427</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>100.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Repurchase agreement termination fee</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>594</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(100.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>594</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>100.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,892</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,651</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6.60</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,651</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,370</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>8.34</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total other expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>23,443</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>24,099</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(2.72</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>24,099</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>23,057</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>4.52</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">%<!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Total other expense decreased $656,000, or 2.72 percent, in 2011 from 2010 as compared with an increase of $1.0 million, or 4.52 percent, from 2009 to 2010. The level of operating expenses during 2011 decreased primarily as a result of decreased occupancy expense of $67,000, decreased premises and equipment charges of $167,000, decreased computer expense of $54,000, decreased marketing expenses of $137,000, decreased FDIC Insurance of $414,000, $427,000 in charges incurred in 2010 with the lease/sale of the Corporation&#146;s former operations facility and $594,000 incurred in 2010 from the early termination of a structure repurchase agreement in
2010. These items were offset in part by increases in salary and benefits of $762,000, professional and consulting fees of $35,000, stationery &amp; printing expenses of $52,000, OREO expense of $114,000 and other expenses of $241,000. Total other expense increased in 2010 from 2009 across several expense categories, with the largest increases occurring in salaries and benefit expense, professional and consulting fees, computer expense, termination fee on a structured securities repurchase agreement and loss on fixed assets. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Prudent management of operating expenses has been and will continue to be a key objective of management in an effort to improve earnings performance. The Corporation&#146;s ratio of other expenses to average assets decreased to 1.77 percent in 2011 compared to 2.03 percent in 2010 and 1.88 percent in 2009. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Salaries and employee benefits increased $762,000 or 7.08 percent in 2011 compared to 2010 and increased $850,000 or 8.57 percent from 2009 to 2010. The increase in 2011 was primarily attributable to merit increases to existing staff and additions to office and employee staff of $439,000 and $125,000, respectively, pension and 401(k) increase of $129,000, and increased medical insurance expense of $40,000. The increase in 2010 was primarily attributable to additions to office staff and merit increases to existing staff of approximately $720,000 and increased medical insurance expense of $130,000. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Salaries and employee benefits accounted for 49.2 percent of total non-interest expense in 2011, as compared to 44.7 percent and 43.0 percent in 2010 and 2009, respectively. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In 2009, the Corporation announced a strategic outsourcing agreement with Fiserv to provide core account processing services, which is consistent with the Corporation&#146;s other strategic initiatives to streamline operations, reduce operating overhead and allow the Corporation to focus on core competencies of customer service and product development. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Occupancy and premises and equipment expense for the year ended December 31, 2011 decreased by $67,000 or 3.2 percent and $167,000 or 15.3 percent, respectively, from the year ended December 31, 2010. For the year ended December 31, 2011, the Corporation recorded reductions of $170,000 in depreciation </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">53</P>

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<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">expense, and $62,000 in real estate taxes, largely associated with the Corporation&#146;s former operations facility somewhat offset by an increase of $42,000 in building and equipment maintenance expense. For the year ended December 31, 2010, the Corporation recorded reductions of $273,000 in depreciation expense, $251,000 in building and equipment maintenance expense and $98,000 in real estate taxes, largely associated with the Corporation&#146;s former operations facility. The decreases reflect the full year impact of expense reductions pertaining to the Corporation&#146;s former operations facility that resulted from vacating and eliminating the
facility during the first quarter of 2010. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In 2011 the FDIC adopted a revised assessment schedule based on Total Assets less Tier 1 Capital and dropped the assessment rate to compensate for increasing the new base. FDIC insurance expense in 2011 was approximately $414,000 less than the 2010 expense. In May 2009, the FDIC adopted a final special assessment rule that assessed the banking industry 5 basis points on total assets less Tier I capital. The Corporation was required to accrue the charge during the second quarter of 2009, which amounted to approximately $630,000, even though the FDIC collected the fee at the end of the third quarter when the regular quarterly assessments for the second
were collected. Additionally, in December 2008, the FDIC adopted a final rule increasing the risk-based assessment rates beginning in the first quarter of 2009. As a result of these actions, FDIC insurance expense increased $71,000 for 2010 compared to 2009. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Professional and consulting expense for 2011 increased $35,000 due to compliance and legal loan workout issues. Such expenses increased in 2010 from 2009 primarily due to compliance and legal loan workout issues. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Stationery and printing expenses for 2011 increased $53,000 or 16.5 percent, compared to 2010, due primarily to costs related to marketing of new bank products. The decrease in such expenses of $23,000 or 6.78 percent in 2010 from 2009 reflected better cost containment measures relating to stationery and printing materials </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Marketing and advertising expenses for the year ended December 31, 2011 decreased $137,000, or 51.1 percent, from the comparable twelve-month period in 2010, primarily due to lower expense outlays for media. These expenses decreased $98,000 or 26.78 percent in 2010 compared with 2009 primarily due to lower expense outlays for media. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Computer expense decreased $54,000 during 2011 compared to 2010 and increased $402,000 in 2010 compared to 2009, due primarily to fees paid to the Corporation&#146;s outsourced information technology service provider. This strategic outsourcing arrangement has significantly improved operating efficiencies and reduced overhead, primarily in salaries and benefits. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">OREO expense for 2011 increased by $114,000 over 2010 due primarily to an increased level of OREO properties. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Other expense increased in 2011 by approximately $241,000 or 6.6 percent compared to 2010 mainly due to a $287,000 loss related to tax certificates acquired to protect the bank&#146;s interest in property subsequently assigned to Highlands State Bank. Other expense increased in 2010 by $1.3 million or 38.64 percent, compared to 2009, mainly due to a one-time termination fee of $594,000 in the first quarter of 2010 on a structured securities repurchase agreement and a $437,000 loss on fixed assets which was recorded in the second quarter of 2010. Amortization of core deposit intangibles accounted for $57,000 and $70,000 of other expense for the years
2011 and 2010, respectively. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Provision for Income Taxes </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation recorded income tax expense of $7.4 million in 2011 compared to $222,000 in 2010 and $946,000 in 2009. The reduction in 2010 resulted from the liquidation of certain subsidiaries as part of a business entity restructuring. The effective tax rates for the Corporation for the years ended December 31, 2011, 2010 and 2009 were 34.7 percent, 3.1 percent and 20.1 percent, respectively. The Corporation adjusts its expected annual tax rate on a quarterly basis based on the current projections of non-deductible expenses, tax-exempt interest income, increase in the cash surrender value of bank owned life insurance and pre-tax net earnings. For
a more detailed description of income taxes see Note 11 of the Notes to Consolidated Financial Statements. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">54</P>

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<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Tax-exempt interest income on a fully tax equivalent basis increased by $2.24 million, or 673.6 percent, from 2010 to 2011, and decreased by $1.2 million, or 77.8 percent, from 2009 to 2010. The Corporation recorded income related to the cash surrender value of bank-owned life insurance as a component of other income in the amount of $1,038,000, $1,226,000 and $1,156,000 for 2011, 2010 and 2009, respectively. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Recent Accounting Pronouncements </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 2 of the Notes to Consolidated Financial Statements discusses new accounting policies recently issued or proposed but not yet required to be adopted. To the extent the adoption of new accounting standards materially affects financial condition, results of operations, or liquidity, the impacts are discussed in the applicable sections of the financial review and notes to the consolidated financial statements. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In April 2011, the FASB issued ASU No. 2011-03, <I>&#147;Reconsideration of Effective Control for Repurchase Agreements.&#148;</I> ASU No. 2011-03 modifies the criteria for determining when repurchase agreements would be accounted for as a secured borrowing rather than as a sale. Currently, an entity that maintains effective control over transferred financial assets must account for the transfer as a secured borrowing rather than as a sale. The provisions of ASU No. 2011-03 removes from the assessment of effective control the criterion requiring the transferor to have the ability to repurchase or redeem the financial assets on substantially the
agreed terms, even in the event of default by the transferee. The FASB believes that contractual rights and obligations determine effective control and that there does not need to be a requirement to assess the ability to exercise those rights. ASU No. 2011-03 does not change the other existing criteria used in the assessment of effective control. The provisions of ASU No. 2011-03 are effective prospectively for transactions, or modifications of existing transactions, that occur on or after January 1, 2012. As the Corporation accounts for all of its repurchase agreements as collateralized financing arrangements, the adoption of this ASU is not expected to have a material impact on the Corporation&#146;s statements of income and condition. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In May 2011, the FASB issued ASU No. 2011-04, <I>&#147;Amendments to Achieve Common Fair Value Measurement and Disclosure Requirements in U.S. GAAP and IFRSs.&#148;</I> ASU No. 2011-04 results in a consistent definition of fair value and common requirements for measurement of and disclosure about fair value between U.S. GAAP and International Financial Reporting Standards (&#147;IFRS&#148;). The changes to U.S. GAAP as a result of ASU No. 2011-04 are as follows: (1) The concepts of highest and best use and valuation premise are only relevant when measuring the fair value of nonfinancial assets (that is, it does not apply to financial assets or any
liabilities); (2) U.S. GAAP currently prohibits application of a blockage factor in valuing financial instruments with quoted prices in active markets; ASU No. 2011-04 extends that prohibition to all fair value measurements; (3) An exception is provided to the basic fair value measurement principles for an entity that holds a group of financial assets and financial liabilities with offsetting positions in market risks or counterparty credit risk that are managed on the basis of the entity&#146;s net exposure to either of those risks; this exception allows the entity, if certain criteria are met, to measure the fair value of the net asset or liability position in a manner consistent with how market participants would price the net risk position; (4) Aligns the fair value measurement of instruments classified within an entity&#146;s shareholders&#146; equity with the guidance for liabilities; and (5) Disclosure requirements have been enhanced for recurring Level 3 fair value measurements
to disclose quantitative information about unobservable inputs and assumptions used, to describe the valuation processes used by the entity, and to describe the sensitivity of fair value measurements to changes in unobservable inputs and interrelationships between those inputs. In addition, entities must report the level in the fair value hierarchy of items that are not measured at fair value in the statement of condition but whose fair value must be disclosed. The provisions of ASU No. 2011-04 are effective for the Corporation&#146;s interim reporting period beginning on or after December 15, 2011. The adoption of ASU No. 2011-04 is not expected to have a material impact on the Corporation&#146;s statements of income or statements of condition. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In June 2011, the FASB issued ASU No. 2011-05, &#147;<I>Presentation of Comprehensive Income.&#148; </I>The provisions of ASU No. 2011-05 allow an entity the option to present the total of comprehensive income, the components of net income, and the components of other comprehensive income either in a single continuous statement of comprehensive income or in two separate but consecutive statements. In both choices, an entity is required to present each component of net income along with total net income, each component of other comprehensive income along with a total for other comprehensive income, and a total amount for comprehensive income. The
statement(s) are required to be presented with equal prominence as the other </P>

</DIV>

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<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">primary financial statements. ASU No. 2011-05 eliminates the option to present the components of other comprehensive income as part of the statement of changes in shareholders&#146; equity but does not change the items that must be reported in other comprehensive income or when an item of other comprehensive income must be reclassified to net income. The provisions of ASU No. 2011-05 are effective for the Corporation&#146;s interim reporting period beginning on or after December 15, 2011, with retrospective application required. The adoption of ASU No. 2011-05 is expected to result in presentation changes to the Corporation&#146;s statements of income
and the addition of a statement of comprehensive income. The adoption of ASU No. 2011-05 will have no impact on the Corporation&#146;s statements of condition. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In September 2011, the FASB issued ASU No. 2011-08, &#147;<I>Intangibles&nbsp;&#151;&nbsp;Goodwill and Other (Topic 350): Testing Goodwill for Impairment</I>&#148;, which permits an entity to first perform a qualitative assessment to determine whether it is more likely than not that the fair value of a reporting unit is less than its carrying amount. If an entity believes, as a result of its qualitative assessment, that it is more likely than not that the fair value of a reporting unit is less than its carrying amount, the quantitative impairment test is required. Otherwise, no further impairment testing is required. The provisions of ASU No. 2011-08
are effective for the Corporation&#146;s interim goodwill impairment tests performed for fiscal years beginning after December 15, 2011. Early adoption is permitted, provided that the entity has not yet performed its annual impairment test for goodwill. The Corporation performs its annual impairment test for goodwill in the fourth quarter of each year. The adoption of ASU No. 2011-08 is not expected to have a material impact on the Corporation&#146;s statements of income and statements of condition. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In December 2011, the FASB issued ASU No. 2011-12, &#147;<I>Comprehensive Income (Topic 220)</I>: <I>Deferral of the Effective Date for Amendments to the Presentation of Reclassifications of Items Out of Accumulated Other Comprehensive Income in Accounting Standards Update No. 2011-05</I>. The Update defers the specific requirement to present items that are reclassified from accumulated other comprehensive income to net income separately with their respective components of net income and other comprehensive income. The deferral comes after stakeholders recently raised concerns that the new presentation requirements about the reclassification of items
out of accumulated other comprehensive income would be costly for preparers and add unnecessary complexity to financial statements. As a result of the concerns, the FASB decided to reconsider whether it is necessary to require companies to present reclassification adjustments, by component, in both the statement where net income is presented and the statement where other comprehensive income is presented for both interim and annual financial statements. The FASB did not defer the requirement to report comprehensive income either in a single continuous statement or in two separate, but consecutive, financial statements. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In November 2008, the SEC released a proposed roadmap regarding the potential use by U.S. issuers of financial statements prepared in accordance with International Financial Reporting Standards (&#147;IFRS&#148;). IFRS is a comprehensive series of accounting standards published by the International Accounting Standards Board. Under the proposed roadmap, the Company may be required to prepare financial statements in accordance with IFRS as early as 2014. The Company is currently assessing the impact that this potential change would have on its consolidated financial statements, and it will continue to monitor the development of the potential
implementation of IFRS. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Asset and Liability Management </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Asset and liability management encompasses an analysis of market risk, the control of interest rate risk (interest sensitivity management) and the ongoing maintenance and planning of liquidity and capital. The composition of the Corporation&#146;s statement of condition is planned and monitored by the Asset and Liability Committee (&#147;ALCO&#148;). In general, management&#146;s objective is to optimize net interest income and minimize market risk and interest rate risk by monitoring these components of the statement of condition. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Short-term interest rate exposure analysis is supplemented with an interest sensitivity gap model. The Corporation utilizes interest sensitivity analysis to measure the responsiveness of net interest income to changes in interest rate levels. Interest rate risk arises when an earning asset matures or when its interest rate changes in a time period different than that of a supporting interest-bearing liability, or when an interest-bearing liability matures or when its interest rate changes in a time period different than that of an </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">56</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">earning asset that it supports. While the Corporation matches only a small portion of specific assets and liabilities, total earning assets and interest-bearing liabilities are grouped to determine the overall interest rate risk within a number of specific time frames. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The difference between interest sensitive assets and interest sensitive liabilities is referred to as the interest sensitivity gap. At any given point in time, the Corporation may be in an asset-sensitive position, whereby its interest-sensitive assets exceed its interest-sensitive liabilities, or in a liability-sensitive position, whereby its interest-sensitive liabilities exceed its interest-sensitive assets, depending in part on management&#146;s judgment as to projected interest rate trends </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation&#146;s rate sensitivity position in each time frame may be expressed as assets less liabilities, as liabilities less assets, or as the ratio between rate sensitive assets (&#147;RSA&#148;) and rate sensitive liabilities (&#147;RSL&#148;). For example, a short funded position (liabilities repricing before assets) would be expressed as a net negative position, when period gaps are computed by subtracting repricing liabilities from repricing assets. When using the ratio method, a RSA/RSL ratio of 1 indicates a balanced position, a ratio greater than 1 indicates an asset sensitive position and a ratio less than 1 indicates a liability
sensitive position. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">A negative gap and/or a rate sensitivity ratio less than 1, tends to expand net interest margins in a falling rate environment and to reduce net interest margins in a rising rate environment. Conversely, when a positive gap occurs, generally margins expand in a rising rate environment and contract in a falling rate environment. From time to time, the Corporation may elect to deliberately mismatch liabilities and assets in a strategic gap position. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">At December 31, 2011, the Corporation reflected a positive interest sensitivity gap (or an interest sensitivity ratio of (1:34 to 1.00) at the cumulative one-year position. Based on management&#146;s perception that interest rates will continue to be volatile, projected increased levels of prepayments on the earning asset portfolio and the current level of interest rates, emphasis has been, and is expected to continue to be, placed on interest-sensitivity matching with the objective of continuing to stabilize the net interest spread and margin during 2012. However, no assurance can be given that this objective will be met. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">57</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table depicts the Corporation&#146;s interest rate sensitivity position at December 31, 2011: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="708" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 9pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="156"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="60"></TD>

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="156"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="60"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=35>Expected Maturity/Principal Repayment December 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Average<BR> Interest<BR> Rate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Year<BR> End<BR> 2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Year<BR> End<BR> 2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Year<BR> End<BR> 2014</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Year<BR> End<BR> 2015</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Year<BR> End<BR> 2016</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2017<BR> and<BR> Thereafter</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Total<BR> Balance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Estimated<BR> Fair<BR> Value</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=35><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest-Earning Assets:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loans, net</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5.09</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>306,816</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>144,767</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>90,972</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>53,551</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>57,210</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>93,092</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>746,408</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>752,252</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Investments</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>3.39</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>106,160</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>43,114</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>26,052</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>38,041</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>57,161</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>216,212</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>486,740</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>489,429</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total interest-earning assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>412,976</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>187,881</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>117,024</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>91,592</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>114,371</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>309,304</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,233,148</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,241,681</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest-Bearing Liabilities:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Time certificates of deposit of $100,000 or greater</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.79</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>109,121</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>15,366</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,861</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,643</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,007</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>137,998</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>119,932</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Time certificates of deposit of less than $100,000</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.74</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>46,126</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,623</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,379</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>456</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>56,585</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>49,177</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Other interest-bearing deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.50</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>148,110</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>148,110</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>129,258</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>110,405</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>68,382</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>155,403</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>759,668</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>759,668</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Subordinated debentures</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.10</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,155</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,155</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,159</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Securities sold under agreements to repurchase and Fed Funds Purchased</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5.31</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>31,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>41,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>44,803</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Term borrowings</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>3.46</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>20,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>95,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>120,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>131,130</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total interest-bearing liabilities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>308,512</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>175,099</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>136,498</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>122,504</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>96,390</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>281,403</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,120,406</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,109,869</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cumulative interest-earning assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>412,976</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>600,857</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>717,881</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>809,473</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>923,844</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,233,148</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,233,148</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cumulative interest-bearing liabilities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>308,512</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>483,611</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>620,109</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>742,613</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>839,003</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,120,406</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,120,406</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Rate sensitivity gap</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>104,464</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12,782</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(19,474</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(30,912</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>17,981</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>27,901</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>112,742</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cumulative rate sensitivity gap</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>104,464</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>117,246</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>97,772</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>66,860</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>84,841</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>112,742</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>112,742</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cumulative gap ratio</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.34</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.24</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.16</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.09</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.10</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.10</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.10</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Estimates of Fair Value </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The estimation of fair value is significant to a number of the Corporation&#146;s assets, including loans held for sale, and available-for-sale investment securities. These are all recorded at either fair value or the lower of cost or fair value. Fair values are volatile and may be influenced by a number of factors. Circumstances that could cause estimates of the fair value of certain assets and liabilities to change include a change in prepayment speeds, expected cash flows, credit quality, discount rates, or market interest rates. Fair values for most available for sale investment securities are based on quoted market prices. If quoted market
prices are not available, fair values are based on judgments regarding future expected loss experience, current economic condition risk characteristics of various financial instruments, and other factors. See Note 18 of the Notes to Consolidated Financial Statements for additional discussion. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">These estimates are subjective in nature, involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions could significantly affect the estimates. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Impact of Inflation and Changing Prices </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The financial statements and notes thereto presented elsewhere herein have been prepared in accordance with generally accepted accounting principles, which require the measurement of financial position and operating results in terms of historical dollars without considering the change in the relative purchasing power of money over time due to inflation. The impact of inflation is reflected in the increased cost of the operations; unlike most industrial companies, nearly all of the Corporation&#146;s assets and liabilities are monetary. As a result, interest rates have a greater impact on performance than do the effects of general levels of inflation.
Interest rates do not necessarily move in the same direction or to the same extent as the prices of goods and services. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">58</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

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<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Liquidity </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The liquidity position of the Corporation is dependent on successful management of its assets and liabilities so as to meet the needs of both deposit and credit customers. Liquidity needs arise principally to accommodate possible deposit outflows and to meet customers&#146; requests for loans. Scheduled principal loan repayments, maturing investments, short-term liquid assets and deposit in-flows, can satisfy such needs. The objective of liquidity management is to enable the Corporation to maintain sufficient liquidity to meet its obligations in a timely and cost-effective manner. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Management monitors current and projected cash flows, and adjusts positions as necessary to maintain adequate levels of liquidity. By using a variety of potential funding sources and staggering maturities, the risk of potential funding pressure is reduced. Management also maintains a detailed liquidity contingency plan designed to respond adequately to situations which could lead to liquidity concerns. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Management believes that the Corporation has the funding capacity to meet the liquidity needs arising from potential events. In addition to pledgeable securities, the Corporation also maintains borrowing capacity through the Federal Discount Window and the Federal Home Loan Bank of New York secured with loans and marketable securities. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Liquidity is measured and monitored for the Bank. The Corporation reviews its net short-term mismatch. This measures the ability of the Corporation to meet obligations should access to Bank dividends be constrained. At December 31, 2011, the Parent Corporation had $2.0 million in cash and short-term investments compared to $4.6 million at December 31, 2010. Expenses at the Parent Corporation are moderate and management believes that the Parent Corporation has adequate liquidity to fund its obligations. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Certain provisions of long-term debt agreements, primarily subordinated debt, prevent the Corporation from creating liens on, disposing of or issuing voting stock of subsidiaries. As of December 31, 2011, the Corporation was in compliance with all covenants and provisions of these agreements. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Management monitors current and projected cash flows, and adjusts positions as necessary to maintain adequate levels of liquidity. By using a variety of potential funding sources and staggering maturities, the risk of potential funding pressure is somewhat reduced. Management also maintains a detailed liquidity contingency plan designed to adequately respond to situations which could lead to liquidity concerns. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Based on anticipated cash flows at December 31, 2011 projected to December 31, 2012, the Corporation believes that the Bank&#146;s liquidity should remain strong, with an approximate projection of $149.4 million in anticipated net cash flows over the next twelve months. This projection represents a forward-looking statement under the Private Securities Litigation Reform Act of 1995. Actual results could differ materially from this projection depending upon a number of factors, including the liquidity needs of the Bank&#146;s customers, the availability of sources of liquidity and general economic conditions. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">On September 30, 2009, the FDIC proposed a rule that required insured institutions to prepay their estimated quarterly assessments through December 31, 2012 to strengthen the cash position of the Deposit Insurance Fund. The cash prepayment was made on December 30, 2009 and amounted to approximately $5.7 million, which included the 2009 fourth quarter assessment. The prepayment did not have a significant impact on the Corporation&#146;s future cash position or operations. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Deposits </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Total deposits increased to $1.121 billion at December 31, 2011 from $860.3 million at December 31, 2010, an increase of $261.1 million, or 30.3 percent. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Total non-interest-bearing deposits increased to $167.2 million at December 31, 2011 from $144.2 million at December 31, 2010, an increase of $23.0 million or 15.9 percent. Time, savings and interest-bearing transaction accounts increased to $954.3 million at December 31, 2011 from $716.1 million on December 31, 2010, an increase of $238.1 million or 33.3 percent. These increases were attributable to continued core deposit growth in overall segments of the deposits base and in niche areas, such as municipal government, private schools and universities. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">59</P>

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<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Certificates of deposit $100,000 and over decreased to 12.3 percent of total deposits at December 31, 2011 from 13.9 percent one year earlier. With the current turmoil in the financial markets, some of the Corporation&#146;s depositors have become sensitive to obtaining full FDIC insurance for their time deposits. To accommodate its customers, the Corporation began offering Certificates of Deposit Account Registry Service (CDARS) in 2008. As a result of this offering and the increase in insurance coverage by the FDIC to $250,000, the Corporation reported an increase of $18.3 million in certificates of deposit greater than $100,000 at December 31,
2011 compared to year-end 2010. See Note 8 of the Notes to the Consolidated Financial Statements for more information. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">At December 31, 2011, the Corporation had a total of $58.9 million with a weighted average rate of 0.70 percent in CDARS Reciprocal deposits compared to $83.0 million with a weighted average rate of 0.77 percent at December 31, 2010. Based on the Bank&#146;s participation in Promontory Interfinancial Network, LLC., customers who are FDIC insurance sensitive are able to place large dollar deposits with the Corporation and the Corporation uses CDARS to place those funds into certificates of deposit issued by other banks in the Network. This occurs in increments of less than the FDIC insurance limits so that both the principal and interest are eligible
for complete FDIC protection. The FDIC currently considers these funds as brokered deposits. All brokered deposits are classified in time deposits. It became apparent during the latter half of 2008 that customers&#146; preference in seeking safety and more liquidity became paramount in light of the financial crisis, as customers sought full FDIC insured bank products as a safe haven. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation derives a significant proportion of its liquidity from its core deposit base. For the year ended December 31, 2011, core deposits, comprised of total demand deposits, savings deposits and money market accounts, increased by $248.6 million or 36.2 percent from December 31, 2010 to $934.9 million at December 31, 2011. At December 31, 2011, core deposits were 83.4 percent of total deposits compared to 79.8 percent at year-end 2010. Alternatively, the Corporation uses a more stringent calculation for the management of its liquidity positions internally which consists of total demand and savings accounts (excluding money market accounts
greater than $100,000) and excludes time deposits as part of core deposits as a percentage of total deposits. This number increased by $193.0 million or 40.6 percent from December 31, 2010 to $668.1 million and represented 59.6 percent of total deposits at December 31, 2011 as compared with 55.2 percent at December 31, 2010. The Corporation expects its deposit gathering efforts to remain strong, supported in part by the FDIC&#146;s temporarily raising the deposit insurance limits. The Corporation was a participant in the FDIC&#146;s Transaction Account Guarantee Program. Under this program, all non-interest bearing deposit transaction accounts were fully guaranteed by the FDIC, regardless of dollar amount, through June 30, 2010. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">On July 21, 2010, President Obama signed the Dodd-Frank Act into law. One of the provisions of this act permanently increases the maximum amount of deposit insurance for banks, savings institutions and credit unions to $250,000 per depositor, retroactive to January 1, 2009, and non-interest bearing transaction accounts have unlimited deposit insurance through December 31, 2013. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table depicts the Corporation&#146;s more stringent core deposit mix at December 31, 2011 and 2010. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="200"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=15>December 31,</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=3><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=3 COLSPAN=3>Net Change<BR> Volume<BR> 2011 vs. 2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Amount</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Percentage</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Amount</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Percentage</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Demand Deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>167,164</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>25.0</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>144,210</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>30.4</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>22,954</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest-Bearing Demand</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>215,523</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>32.3</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>186,509</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>39.2</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>29,014</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Regular Savings</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>135,703</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>20.3</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>112,305</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>23.6</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>23,398</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Money Market Deposits under $100</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>149,760</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>22.4</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>32,105</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6.8</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>117,655</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total core deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>668,150</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>100.0</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>475,129</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>100.0</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>193,021</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,121,415</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>860,332</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>261,083</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Core deposits to total deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>59.58</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>55.23</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">60</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Short-Term Borrowings </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Short-term borrowings can be used to satisfy daily funding needs. Balances in those accounts fluctuate on a day-to-day basis. The Corporation&#146;s principal short-term funding sources are Federal Funds purchased and securities sold under agreements to repurchase. Short-term borrowings, including Federal Funds purchased and securities sold under agreements to repurchase, amounted to $0 at year-end 2011, a decrease of $41.9 million or 100 percent from year-end 2010. During the third quarter of 2011 certain sweep relationships, in the amount of approximately $37 million, that were previously classified as short term borrowings were discontinued and
were moved to interest bearing checking accounts. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table is a summary of short-term securities sold under repurchase agreements, including Federal Funds purchased, for each of the last three years. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="360"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>December 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2009</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Short-term securities sold under repurchase agreements,<BR> including Federal Funds purchased:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Average interest rate:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>At year end</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.27</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.97</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>For the year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.27</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.50</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.38</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Average amount outstanding during the year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>29,288</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>42,608</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>35,392</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Maximum amount outstanding at any month end</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>71,732</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>54,855</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>58,515</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Amount outstanding at year end</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>41,855</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>46,109</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Long-Term Borrowings </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Long-term borrowings consist of Federal Home Loan Bank of New York (&#147;FHLB&#148;) advances and securities sold under agreements to repurchase that have contractual maturities over one year. Long-term borrowings amounted to $161.0 million at December 31, 2011, a decrease of $10.0 million or 5.85 percent, from year-end 2010 as the Corporation decided to concentrate its efforts on increasing the core deposit base of the Bank rather than replacing those borrowings. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Cash Flows </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The consolidated statements of cash flows present the changes in cash and cash equivalents from operating, investing and financing activities. During 2011, cash and cash equivalents (which increased overall by $73.6 million) were provided on a net basis by operating activities and financing activities, and used on a net basis by investing activities. With respect to the cash flows from financing activities, net increases in deposits and SBLF proceeds were offset by reductions in borrowings and the Corporation&#146;s dividend payments. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">During 2010, cash and cash equivalents (which decreased overall by $51.7 million) were provided on a net basis by operating activities and used on a net basis by investing activities and financing activities. With respect to the cash flows from financing activities, a net increase in deposits and proceeds from a stock offering were partially offset by a reduction in borrowings and the Corporation&#146;s dividend payments. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">During 2009, cash and cash equivalents (which increased overall by $74.1 million) were provided on a net basis by operating activities and financing activities and used on a net basis by investing activities. With respect to cash flows from financing activities, a $172.3 million increase in cash resulted from a substantial net increase in deposits as well as from the proceeds of our TARP participation and rights offering. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">61</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Contractual Obligations and Other Commitments </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table summarizes contractual obligations at December 31, 2011 and the effect such obligations are expected to have on liquidity and cash flows in future periods. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="200"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Less Than<BR> 1 Year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>1&nbsp;&#150;&nbsp;3 Years</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>4&nbsp;&#150;&nbsp;5 Years</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>After<BR> 5 Years</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Contractual Obligations<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Operating lease obligations</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6,515</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>625</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,033</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>946</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,911</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total contracted cost obligations</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6,515</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>625</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,033</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>946</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,911</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Other Long-term Liabilities/<BR>Long-term Debt<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Time Deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>194,583</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>155,247</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>29,229</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10,107</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Federal Home Loan Bank advances and repurchase agreements</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>161,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>30,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>126,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Subordinated debentures</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,155</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,155</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total Other Long-term Liabilities/Long-term Debt</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>360,738</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>155,247</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>34,229</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>40,107</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>131,155</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Other Commercial Commitments&nbsp;&#150;&nbsp;Off Balance Sheet<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commitments under commercial loans and lines of credit</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>90,866</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>90,866</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Home equity and other revolving lines of credit</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>49,203</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>49,203</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Outstanding commercial mortgage loan commitments</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>32,938</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>29,733</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,205</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Standby letters of credit</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,800</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,800</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Performance letters of credit</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>20,482</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>20,482</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Overdraft protection lines</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,850</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,850</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total off balance sheet arrangements and contractual obligations</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>201,139</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>197,934</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,205</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total contractual obligations and other commitments</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>568,392</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>353,806</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>38,467</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>41,053</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>135,066</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Stockholders&#146; Equity </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Stockholders&#146; equity amounted to $135.9 million at December 31, 2011, an increase of $14.9 million or 12.4 percent, compared to year-end 2010. At December 31, 2010, stockholders&#146; equity totaled $121.0 million, an increase of $19.2 million or 18.9 percent from December 31, 2009. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">On September 15, 2011, the Corporation issued $11.25 million in nonvoting senior preferred stock to the Treasury under the Small Business Lending Fund Program. Under the Securities Purchase Agreement, the Corporation issued to the Treasury a total of 11,250 shares of the Corporation&#146;s Senior Non-Cumulative Perpetual Preferred Stock, Series B, having a liquidation value of $1,000 per share. Simultaneously, using the proceeds from the issuance of the SBLF Preferred Stock, the Corporation redeemed from the Treasury, all 10,000 outstanding shares of its Fixed Rate Cumulative Perpetual Preferred Stock, Series A, liquidation amount $1,000 per share,
for a redemption price of $10,041,667, including accrued but unpaid dividends up to the date of redemption. The investment in the SBLF program provided the Corporation with approximately $1.25 million additional Tier 1 capital. The capital received under the program will allow the Corporation to continue to serve its small business clients through the commercial lending program. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">62</P>

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<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">On December 7, 2011, the Corporation repurchased the warrants issued on January 12, 2009 to the U.S. Treasury as part of its participation in the U.S. Treasury&#146;s TARP Capital Purchase Program. In the repurchase, the Corporation paid the U.S. Treasury $245,000 for the warrants. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In September 2010, the Corporation sold an aggregate of 1,715,000 shares of its common stock under its previously filed shelf registration statement. The Corporation sold 1,430,000 shares of common stock at a price of $7.00 per share, with underwriting discounts and commissions of $0.39 per share, for gross proceeds from this offering of $10,010,000. The Corporation also sold 285,000 shares of common stock directly to certain of its directors at a price of $7.50 per share, for gross proceeds from this offering of $2,137,500. Net proceeds from both offerings totaled $11,378,000 after underwriting discounts and commissions of $557,000 and offering
expenses of approximately $213,000 (which consisted primarily of legal and accounting fees). </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Book value per share at year-end 2011 was $7.63 compared to $6.83 at year-end 2010. Tangible book value at year-end 2011 was $6.60 compared to $5.79 at year end 2010; see Item 6 for a reconciliation of this non-GAAP financial measure to book value. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">During 2011, the Corporation made no purchases of common stock. At December 31, 2011, there were 652,868 shares available for repurchase under the Corporation&#146;s stock buyback program. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Capital </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The maintenance of a solid capital foundation continues to be a primary goal for the Corporation. Accordingly, capital plans and dividend policies are monitored on an ongoing basis. The most important objective of the capital planning process is to balance effectively the retention of capital to support future growth and the goal of providing stockholders with an attractive long-term return on their investment. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Risk-Based Capital/Leverage </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Tier I leverage capital (defined as tangible stockholders&#146; equity for common stock and Trust Preferred Capital Securities) at December 31, 2011 amounted to $129.4 million or 9.29 percent of average total assets. At December 31, 2010, the Corporation&#146;s Tier I leverage capital amounted to $116.6 million or 9.90 percent of average total assets. Tier I capital excludes the effect of FASB ASC 320-10-05, which amounted to $2.0 million of net unrealized losses, after tax, on securities available-for-sale (reported as a component of accumulated other comprehensive income which is included in stockholders&#146; equity), and is reduced by
goodwill and intangible assets of $16.9 million as of December 31, 2011. For information on goodwill and intangible assets, see Note 1 to the Consolidated Financial Statements. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">United States bank regulators have issued guidelines establishing minimum capital standards related to the level of assets and off balance-sheet exposures adjusted for credit risk. Specifically, these guidelines categorize assets and off balance-sheet items into four risk-weightings and require banking institutions to maintain a minimum ratio of capital to risk-weighted assets. At December 31, 2011, the Corporation&#146;s Tier I and total risk-based capital ratios were 12.00 percent and 12.89 percent, respectively. For information on risk-based capital and regulatory guidelines for the Parent Corporation and its bank subsidiary, see Note 13 to the
Consolidated Financial Statements. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The foregoing capital ratios are based in part on specific quantitative measures of assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices. Capital amounts and classifications are also subject to qualitative judgments by the bank regulators regarding capital components, risk weightings and other factors. The OCC established higher minimum capital ratios for the Bank effective as of December 31, 2009: Tier 1 Risk-Based Capital of 10 percent, Total Risk-Based Capital of 12 percent and Tier 1 Leverage Capital of 8 percent. As of December 31, 2011, management believes that each of the Bank and the
Parent Corporation meet all capital adequacy requirements to which it is subject. Under a Memorandum of Understanding that was terminated by the OCC during 2011, the Bank agreed to develop a three year capital program, which will include specific plans for the maintenance of adequate capital and the strengthening of the Bank&#146;s capital structure to meet current and future needs. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">63</P>

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<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Subordinated Debentures </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">On December 19, 2003, Center Bancorp Statutory Trust II, a statutory business trust and wholly-owned subsidiary of Center Bancorp, Inc., issued $5.0 million of, MMCapS capital securities to investors due on January 23, 2034. The capital securities presently qualify as Tier I capital. The trust loaned the proceeds of this offering to the Corporation and received in exchange $5.2 million of the Parent Corporation&#146;s subordinated debentures. The subordinated debentures are redeemable in whole or in part prior to maturity. The floating interest rate on the subordinate debentures is three-month LIBOR plus 2.85 percent and reprices quarterly. The rate
at December 31, 2011 was 3.43 percent. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The additional capital raised with respect to the issuance of the floating rate capital pass-through securities was used to bolster the Corporation&#146;s capital and for general corporate purposes, including capital contributions to Union Center National Bank. Additional information regarding the capital treatment of these securities is contained in Note 10 of the Notes to the Consolidated Financial Statements. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Looking Forward </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">One of the Corporation&#146;s primary objectives is to achieve balanced asset and revenue growth, and at the same time expand market presence and diversify its financial products. However, it is recognized that objectives, no matter how focused, are subject to factors beyond the control of the Corporation, which can impede its ability to achieve these goals. The following factors should be considered when evaluating the Corporation&#146;s ability to achieve its objectives: </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The financial market place is rapidly changing. Banks are no longer the only place to obtain loans, nor the only place to keep financial assets. The banking industry has lost market share to other financial service providers. The future is predicated on the Corporation&#146;s ability to adapt its products, provide superior customer service and compete in an ever-changing marketplace. Net interest income, the primary source of earnings, is impacted favorably or unfavorably by changes in interest rates. Although the impact of interest rate fluctuations is mitigated by ALCO strategies, significant changes in interest rates can have a material adverse
impact on profitability. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The ability of customers to repay their obligations is often impacted by changes in the regional and local economy. Although the Corporation sets aside loan loss provisions toward the allowance for loan losses when management determines such action to be appropriate, significant unfavorable changes in the economy could impact the assumptions used in the determination of the adequacy of the allowance. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Technological changes will have a material impact on how financial service companies compete for and deliver services. It is recognized that these changes will have a direct impact on how the marketplace is approached and ultimately on profitability. The Corporation has taken steps to improve its traditional delivery channels. However, continued success will likely be measured by the ability to anticipate and react to future technological changes. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">This &#147;Looking Forward&#148; description constitutes a forward-looking statement under the Private Securities Litigation Reform Act of 1995. Actual results could differ materially from those projected in the Corporation&#146;s forward-looking statements due to numerous known and unknown risks and uncertainties, including the factors referred to above, in Item 1A of this Annual Report on Form 10K and in other sections of this Annual Report on Form 10K. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">64</P>

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<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#tQQDA"></a>Item 7A. Quantitative and Qualitative Disclosures about Market Risk </H2>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Interest Sensitivity </H2>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Market Risk </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation&#146;s profitability is affected by fluctuations in interest rates. A sudden and substantial increase or decrease in interest rates may adversely affect the Corporation&#146;s earnings to the extent that the interest rates borne by assets and liabilities do not similarly adjust. The Corporation&#146;s primary objective in managing interest rate risk is to minimize the adverse impact of changes in interest rates on the Corporation&#146;s net interest income and capital, while structuring the Corporation&#146;s asset-liability structure to obtain the maximum yield-cost spread on that structure. The Corporation relies primarily on its
asset-liability structure to control interest rate risk. The Corporation continually evaluates interest rate risk management opportunities, including the use of derivative financial instruments. The management of the Corporation believes that hedging instruments currently available are not cost-effective, and, therefore, has focused its efforts on increasing the Corporation&#146;s yield-cost spread through wholesale and retail growth opportunities. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation monitors the impact of changes in interest rates on its net interest income using several tools. One measure of the Corporation&#146;s exposure to differential changes in interest rates between assets and liabilities is the Corporation&#146;s analysis of its interest rate sensitivity. This test measures the impact on net interest income or net portfolio value of an immediate change in interest rates in 100 basis point increments. Net portfolio value is defined as the net present value of assets, liabilities and off-balance sheet contracts. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The primary tool used by management to measure and manage interest rate exposure is a simulation model. Use of the model to perform simulations reflecting changes in interest rates over one and two-year time horizons has enabled management to develop and initiate strategies for managing exposure to interest rate risk. In its simulations, management estimates the impact on net interest income of various changes in interest rates. Projected net interest income sensitivity to movements in interest rates is modeled based on both an immediate rise and fall in interest rates (&#147;rate shock&#148;), as well as gradual changes in interest rates over a
twelve-month time period. The model is based on the actual maturity and repricing characteristics of interest-rate sensitive assets and liabilities. The model incorporates assumptions regarding earning asset and deposit growth, prepayments, interest rates and other factors. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Management believes that both individually and taken together, these assumptions are reasonable, but the complexity of the simulation modeling process results in a sophisticated estimate, not an absolutely precise calculation of exposure. For example, estimates of future cash flows must be made for instruments without contractual maturity or payment schedules. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Based on the results of the interest simulation model as of December 31, 2011, and assuming that management does not take action to alter the outcome, the Corporation would expect an increase of 1.71 and 1.89 percent in net interest income if interest rates increased by 200 and 300 basis points, respectively, from current rates in a gradual and parallel rate ramp over a twelve month period. As market rates declined to historic lows at December 31, 2011, the Corporation did not feel that modeling a down rate scenario was realistic in the current environment. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The declining rates and steepening of the yield curve during both 2011 and 2010 affected net interest margins. Based on management&#146;s perception that interest rates will continue to be volatile, projected increased levels of prepayments on the earning-asset portfolio and the current level of interest rates, emphasis has been, and is expected to continue to be, placed on interest-sensitivity matching with the objective of stabilizing the net interest spread during 2012. However, no assurance can be given that this objective will be met. </P>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Equity Price Risk </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation is also exposed to equity price risk inherent in its portfolio of publicly traded equity securities, which had a fair value of $262,000 at December 31, 2011 and $300,000 at December 31, 2010. The Corporation monitors its equity investments for impairment on a periodic basis. In the event that the carrying value of the equity investment exceeds its fair value, and the Corporation determines the decline in value to be other than temporary, the Corporation reduces the carrying value to its current fair value. During 2011 and 2010, the Corporation did not record any of other-than-temporary impairment charges relating to equity holdings in
bank stocks. The remaining securities in the equity portfolio were mutual funds and money market funds. </P>

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<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#tFSSD"></a>8. Financial Statements and Supplementary Data </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">All Financial Statements: </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following financial statements are filed as part of this report under Item 8&nbsp;&#151;&nbsp;&#147;Financial Statements and Supplementary Data.&#148; </P>

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          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Page</TD>

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<TR STYLE="background-color: #CCFFCC"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#ftRIRPAF">Report of Independent Registered Public Accounting Firm</a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#ftRIRPAF">F-2</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

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<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#ftCSC">Consolidated Statements of Condition</a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#ftCSC">F-3</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#ftCSI">Consolidated Statements of Income</a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#ftCSI">F-4</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

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<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#ftCSCSE">Consolidated Statements of Changes in Stockholders&#146; Equity</a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#ftCSCSE">F-5</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

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<TR STYLE="background-color: #CCFFCC"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#ftCSCF">Consolidated Statements of Cash Flows</a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#ftCSCF">F-6</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

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<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#ftNCFS">Notes to Consolidated Financial Statements</a></TD>

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<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#ftNCFS">F-8</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

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<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-1</P>

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<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#ftRIRPAF"></a>REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM </H1>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Board of Directors and Stockholders<BR> Center Bancorp, Inc. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">We have audited the accompanying consolidated statements of condition of Center Bancorp, Inc. and subsidiaries (the &#147;Corporation&#148;) as of December 31, 2011 and 2010, and the related consolidated statements of income, changes in stockholders&#146; equity, and cash flows for each of the years in the three-year period ended December 31, 2011. Center Bancorp, Inc.&#146;s management is responsible for these consolidated financial statements. Our responsibility is to express an opinion on these financial statements based on our audits. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">We conducted our audits in accordance with the standards of the Public Company Accounting Oversight Board (United States). Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements. An audit also includes assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. We believe that our audits provide a reasonable basis for our opinion.
</P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In our opinion, the consolidated financial statements referred to above present fairly, in all material respects, the consolidated financial position of Center Bancorp, Inc. and subsidiaries as of December 31, 2011 and 2010, and the consolidated results of its operations and its cash flows for each of the years in the three-year period ended December 31, 2011 in conformity with accounting principles generally accepted in the United States of America. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">We also have audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States), Center Bancorp, Inc.&#146;s internal control over financial reporting as of December 31, 2011, based on criteria established in <I>Internal Control&nbsp;&#151;&nbsp;Integrated Framework</I> issued by the Committee of Sponsoring Organizations of the Treadway Commission (COSO), and our report dated March 13, 2012 expressed an unqualified opinion. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">/s/ ParenteBeard LLC<BR>&nbsp;&nbsp;<BR> ParenteBeard LLC<BR> Clark, New Jersey<BR> March 13, 2012 </P>

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<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-2</P>

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<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#ftCSC"></a>CENTER BANCORP, INC. AND SUBSIDIARIES<BR> &nbsp;&nbsp;<BR>CONSOLIDATED STATEMENTS OF CONDITION </H1>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

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          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>December 31,</TD>

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          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

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          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

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          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(In Thousands, Except Share Data)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="text-align: center; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>ASSETS<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cash and due from banks</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>111,101</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>37,497</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Securities available-for-sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>414,507</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>378,080</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Securities held-to-maturity (fair value of $74,922 and $0)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>72,233</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>756,010</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>708,444</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Less: Allowance for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>9,602</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>8,867</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>746,408</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>699,577</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Restricted investment in bank stocks, at cost</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,233</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,596</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Premises and equipment, net</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12,327</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12,937</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Accrued interest receivable</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,219</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,134</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Bank owned life insurance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>28,943</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>27,905</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Goodwill and other intangible assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>16,902</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>16,959</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Prepaid FDIC assessment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,884</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,582</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Other real estate owned</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>591</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>12,390</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>17,118</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,432,738</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,207,385</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="text-align: center; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>LIABILITIES AND STOCKHOLDERS&#146; EQUITY<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Deposits:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-interest-bearing</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>167,164</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>144,210</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest-bearing:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Time deposits $100 and over</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>137,998</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>119,651</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Interest-bearing transaction, savings and time deposits less than $100</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>816,253</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>596,471</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,121,415</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>860,332</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Short-term borrowings</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>41,855</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Long-term borrowings</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>161,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>171,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Subordinated debentures</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,155</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,155</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Accounts payable and accrued liabilities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>9,252</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>8,086</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total liabilities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,296,822</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,086,428</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="text-align: center; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Stockholders&#146; Equity<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Preferred Stock, $1,000 liquidation value per share:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Authorized 5,000,000 shares; issued and outstanding 11,250 shares of Series B preferred stock at December 31, 2011 and 10,000 shares of Series A preferred stock at December 31, 2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11,250</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,700</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Common stock, no par value:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Authorized 25,000,000 shares; issued 18,477,412 shares at December 31, 2011 and 2010; outstanding 16,332,327 shares at December 31, 2011 and 16,289,832 at December 31, 2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>110,056</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>110,056</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Additional paid-in capital</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,715</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,941</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Retained earnings</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>32,695</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>21,633</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Treasury stock, at cost (2,145,085 shares at December 31, 2011 and 2,187,580 at December 31, 2010)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(17,354</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(17,698</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Accumulated other comprehensive loss</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(5,446</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(7,675</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total stockholders&#146; equity</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>135,916</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>120,957</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total liabilities and stockholders&#146; equity</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,432,738</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,207,385</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">&nbsp;<BR>&nbsp;<BR><I>See the accompanying notes to the consolidated financial statements.</I> </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-3</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#ftCSI"></a>CENTER BANCORP, INC. AND SUBSIDIARIES<BR>&nbsp;&nbsp;<BR> CONSOLIDATED STATEMENTS OF INCOME </H1>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 9pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="376"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="68"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="68"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>Years Ended December 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2009</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(Dollars in Thousands, Except per Share Data)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest income:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest and fees on loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>36,320</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>37,200</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>36,751</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest and dividends on investment securities:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Taxable interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13,278</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10,588</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12,727</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-taxable interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,700</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>220</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>989</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Dividends</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>629</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>706</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>643</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>51,927</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>48,714</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>51,110</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest expense:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest on certificates of deposit $100 &amp; over</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,215</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,301</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,551</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest on other deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,305</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,705</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,757</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest on short-term borrowings</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>79</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>211</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>449</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Interest on long-term borrowings</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6,578</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>8,568</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>9,888</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total interest expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>12,177</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>14,785</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>22,645</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>39,750</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>33,929</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>28,465</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Provision for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,448</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,076</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>4,597</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Net interest income, after provision for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>37,302</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>28,853</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>23,868</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Other income:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Service charges, commissions and fees</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,896</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,975</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,835</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Annuity and insurance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>110</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>123</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>126</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Bank-owned life insurance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,038</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,226</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,156</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Other</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>800</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>487</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>298</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total other-than-temporary impairment losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(342</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(8,953</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(9,066</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Less: Portion of loss recognized in other comprehensive income (before taxes)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,377</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>4,828</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net other-than-temporary impairment losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(342</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(5,576</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(4,238</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Net gains on sale on investment securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,976</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>4,237</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>4,729</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Net investment securities gains (losses)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,634</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,339</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>491</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total other income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>7,478</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,472</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,906</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Other expense:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Salaries and employee benefits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11,527</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10,765</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,915</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Occupancy, net</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,021</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,088</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,536</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Premises and equipment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>926</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,093</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,263</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>FDIC Insurance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,712</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,126</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,055</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Professional and consulting</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,156</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,121</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>811</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Stationery and printing</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>368</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>316</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>339</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Marketing and advertising</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>131</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>268</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>366</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Computer expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,312</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,366</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>964</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Other real estate owned expense, net</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>398</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>284</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,438</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loss on fixed assets, net</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>427</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Repurchase agreement termination fee</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>594</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,892</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,651</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,370</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total other expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>23,443</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>24,099</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>23,057</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Income before income tax expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>21,337</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,226</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,717</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Income tax expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>7,411</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>222</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>946</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13,926</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,004</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,771</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Preferred stock dividends and accretion</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>820</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>581</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>567</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net income available to common stockholders</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>13,106</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>6,423</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>3,204</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Earnings per common share:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Basic</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.80</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.43</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.24</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Diluted</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.80</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.43</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.24</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Weighted average common shares outstanding:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Basic</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>16,295,761</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>15,025,870</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13,382,614</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Diluted</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>16,314,899</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>15,027,159</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13,385,416</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">&nbsp;<BR>&nbsp;<BR><I>See the accompanying notes to the consolidated financial statements.</I> </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-4</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#ftCSCSE"></a>CENTER BANCORP, INC. AND SUBSIDIARIES<BR> &nbsp;&nbsp;<BR>CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS&#146; EQUITY </H1>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="708" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 9pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="264"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="264"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=27>Years Ended December 31, 2011, 2010 and 2009</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Preferred<BR> Stock</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Common<BR> Stock</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Additional<BR> Paid In<BR> Capital</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Retained<BR> Earnings</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Treasury<BR> Stock</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Accumulated<BR> Other<BR> Comprehensive<BR> Income (Loss)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Total<BR> Stockholders&#146;<BR> Equity</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=27><FONT STYLE="font-weight: normal">(In Thousands, Except Share and per Share Data)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Balance, December 31, 2008</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>86,908</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,204</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>16,309</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(17,796</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(8,912</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>81,713</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Comprehensive income:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,771</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,771</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Other comprehensive loss, net of taxes</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,864</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,864</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total comprehensive income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,907</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Issuance of preferred stock (10,000 shares) and warrants (86,705 shares)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,539</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>461</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Accretion of discount on preferred stock</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>80</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(80</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Dividends on preferred stock</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(487</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(487</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Proceeds from rights offering (1,571,428 shares)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cash dividends declared on common stock ($0.18 per share)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(2,434</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(2,434</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Issuance cost of common stock</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(11</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(11</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Exercise of stock options (9,289 shares)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(19</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>76</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>57</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Stock-based compensation expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>77</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>77</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Taxes related to stock-based compensation</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(73</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(73</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Balance, December 31, 2009</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,619</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>97,908</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,650</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>17,068</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(17,720</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(10,776</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>101,749</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Comprehensive income:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,004</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,004</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Other comprehensive income, net of taxes</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,101</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,101</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total comprehensive income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10,105</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Accretion of discount on preferred stock</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>81</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(81</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Dividends on preferred stock</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(500</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(500</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Proceeds from stock offerings (1,715,000 shares)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12,148</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(770</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11,378</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cash dividends declared on common stock ($0.12 per share)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,852</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,852</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Issuance cost of common stock</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(6</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(6</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Stock awarded</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>22</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>25</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Stock-based compensation expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>51</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>51</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Option related tax trueup</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>7</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>7</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Balance, December 31, 2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,700</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>110,056</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,941</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>21,633</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(17,698</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(7,675</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>120,957</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Comprehensive income:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13,926</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13,926</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Other comprehensive income, net of taxes</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,229</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,229</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total comprehensive income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>16,155</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Accretion of discount on preferred stock</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>300</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(300</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Dividends on preferred stock</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(520</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(520</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Redemption of series A preferred stock</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(10,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(10,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Proceeds from issuance of series B preferred stock</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11,250</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11,250</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Warrant repurchased</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(245</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(245</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cash dividends declared on common stock ($0.12 per share)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,955</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,955</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Issuance cost of common stock</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(5</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(5</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Issuance cost of series B preferred stock</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(84</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(84</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Exercise of stock options (42,495 shares)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(16</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>344</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>328</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Stock-based compensation expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>35</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>35</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Balance, December 31, 2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>11,250</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>110,056</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>4,715</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>32,695</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(17,354</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(5,446</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>135,916</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">&nbsp;<BR>&nbsp;<BR><I>See the accompanying notes to the consolidated financial statements.</I> </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-5</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#ftCSCF"></a>CENTER BANCORP, INC. AND SUBSIDIARIES<BR> &nbsp;&nbsp;<BR>CONSOLIDATED STATEMENTS OF CASH FLOWS </H1>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="376"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="68"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="68"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>Years Ended December 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2009</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Cash flows from operating activities:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13,926</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,004</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,771</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Adjustments to Reconcile Net Income to Net Cash Provided by Operating Activities:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Depreciation and amortization</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>983</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,165</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,451</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Provision for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,448</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,076</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,597</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Provision for deferred taxes</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,406</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>51</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>819</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Stock-based compensation expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>35</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>51</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>77</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net other-than-temporary impairment losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>342</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,576</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,238</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net gains on sales of available-for-sale securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(3,976</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(4,237</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(4,729</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net gains on sales of loans held for sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(251</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(140</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(5</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net loans originated for sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(14,357</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(8,347</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(3,453</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Proceeds from sales of loans held for sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13,923</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,154</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,458</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net loss on disposition of premises and equipment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>427</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net loss on sales of other real estate owned</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>207</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>905</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Life insurance death benefit</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(136</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Increase in cash surrender value of bank owned life insurance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,038</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,226</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,020</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net amortization of securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,012</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,979</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>793</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>(Increase) decrease in accrued interest receivable</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(2,085</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(101</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>121</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Decrease in prepaid FDIC insurance assessment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,698</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,792</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>(Increase) decrease in other assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(402</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,642</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,732</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Decrease in other liabilities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(585</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(2,426</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(480</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Net cash provided by operating activities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>18,084</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>17,647</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>8,675</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Cash flows from investing activities:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investment securities available-for-sale:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Purchases</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(400,644</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(791,156</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(785,044</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Sales</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>254,821</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>644,075</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>665,828</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Maturities, calls and principal repayment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>48,029</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>67,960</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>58,206</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investment securities held-to-maturity:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Purchases</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(13,118</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Maturities and principal repayment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,475</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net redemption (purchases) of restricted investment in bank stock</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>363</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,076</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(442</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net (increase) decrease in loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(49,223</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,348</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(45,543</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Purchases of premises and equipment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(316</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(300</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(742</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Purchase of bank-owned life insurance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(6,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(2,475</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Redemption of bank-owned life insurance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,610</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Proceeds from life insurance death benefits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>15</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>266</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Capital expenditure addition to other real estate owned</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(476</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Proceeds from sale of premises and equipment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Proceeds from sale of other real estate owned</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>33</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,720</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,520</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Net cash used in investing activities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(152,580</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(68,651</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(106,901</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">&nbsp;<BR>&nbsp;<BR><I>See the accompanying notes to the consolidated financial statements.</I> </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-6</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC. AND SUBSIDIARIES<BR> &nbsp;&nbsp;<BR>CONSOLIDATED STATEMENTS OF CASH FLOWS&nbsp;&#150;&nbsp;(continued)</H1>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="376"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="68"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="68"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>Years Ended December 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2009</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Cash flows from financing activities:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net increase in deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>261,083</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>46,627</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>154,168</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net (decrease) increase in short-term borrowings</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(41,855</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(4,254</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>966</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Payments on long-term borrowings</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(10,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(52,144</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(153</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cash dividends on common stock</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,955</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,800</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(3,166</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cash dividends on preferred stock</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(417</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(500</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(425</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Proceeds from issuance of Series B preferred stock</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11,250</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Redemption of Series A preferred stock</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(10,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Warrant repurchased</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(245</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Issuance cost of common stock</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(5</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(6</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(11</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Issuance cost of Series B preferred stock</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(84</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Proceeds from issuance of Series A preferred stock and warrants</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Proceeds from issuance of shares from stock offering or rights offering</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12,148</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Issuance cost of common stock</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(770</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Tax expense (benefit) from stock based compensation</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(73</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Issuance cost of restricted stock award</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>25</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Proceeds from exercise of stock options</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>328</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>57</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Net cash provided by (used in) financing activities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>208,100</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(667</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>172,363</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Net increase (decrease) in cash and cash equivalents</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>73,604</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(51,671</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>74,137</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Cash and cash equivalents at beginning of year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>37,497</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>89,168</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>15,031</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Cash and cash equivalents at end of year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>111,101</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>37,497</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>89,168</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Supplemental disclosures of cash flow information:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Noncash activities:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Trade date accounting settlement for investments</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,979</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Transfer of loans to other real estate owned</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>629</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,927</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net investment in direct financing lease</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,700</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Transfer from investment securities available-for-sale to investment securities held-to-maturity</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>66,833</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cash paid during year for:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest paid on deposits and borrowings</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12,226</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>15,569</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>23,021</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Income taxes</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,484</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,479</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>344</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">&nbsp;<BR>&nbsp;<BR><I>See the accompanying notes to the consolidated financial statements.</I> </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-7</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC. AND SUBSIDIARIES<BR>&nbsp;&nbsp;<BR>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 1&nbsp;&#151;&nbsp;Summary of Significant Accounting Policies </H2>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#ftNCFS"></a>Principles of Consolidation </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The consolidated financial statements of Center Bancorp, Inc. (the &#147;Parent Corporation&#148;) are prepared on the accrual basis and include the accounts of the Parent Corporation and its wholly owned subsidiary, Union Center National Bank (the &#147;Bank&#148;, and collectively with the Parent Corporation and the Parent Corporation&#146;s other direct and indirect subsidiaries, the &#147;Corporation&#148;). All significant inter-company accounts and transactions have been eliminated from the accompanying consolidated financial statements. </P>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Business </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Parent Corporation is a bank holding company whose principal activity is the ownership and management of Union Center National Bank as mentioned above. The Bank provides a full range of banking services to individual and corporate customers through branch locations in Union and Morris counties, New Jersey. Additionally, the Bank originates residential mortgage loans and services such loans for others. The Bank is subject to competition from other financial institutions and the regulations of certain federal and state agencies and undergoes periodic examinations by those regulatory authorities. </P>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Basis of Financial Statement Presentation </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The consolidated financial statements have been prepared in conformity with U.S. generally accepted accounting principles. </P>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Use of Estimates </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the statement of condition and revenues and expenses for the reported periods. Actual results could differ significantly from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, other-than-temporary impairment evaluation of securities, the evaluation of the impairment of goodwill, the income tax provision and the valuation of deferred tax assets. </P>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Cash and Due from Banks </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Cash and due from banks includes cash on hand and balances due from correspondent banks including the Federal Reserve Bank. </P>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Investment Securities </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation accounts for its investment securities in accordance with Financial Accounting Standards Board (&#147;FASB&#148;) Accounting Standards Codification (&#147;ASC&#148;) 320-10-05. Investments are classified into the following categories: (1) held to maturity securities, for which the Corporation has both the positive intent and ability to hold until maturity, which are reported at amortized cost; (2) trading securities, which are purchased and held principally for the purpose of selling in the near term and are reported at fair value with unrealized gains and losses included in earnings; and (3) available-for-sale securities, which do
not meet the criteria of the other two categories and which management believes may be sold prior to maturity due to changes in interest rates, prepayment, risk, liquidity or other factors, and are reported at fair value, with unrealized gains and losses, net of applicable income taxes, reported as a component of accumulated other comprehensive income, which is included in stockholders&#146; equity and excluded from earnings. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Investment securities are adjusted for amortization of premiums and accretion of discounts, which are recognized on a level yield method, as adjustments to interest income. Investment securities gains or losses are determined using the specific identification method. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-8</P>

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<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC. AND SUBSIDIARIES<BR>&nbsp;&nbsp;<BR>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 1&nbsp;&#151;&nbsp;Summary of Significant Accounting Policies &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Securities are evaluated on at least a quarterly basis, and more frequently when market conditions warrant such an evaluation, to determine whether a decline in their value is other-than-temporary. In April 2009, the FASB issued FASB ASC 320-10-65, which was adopted as of June 30, 2009. The accounting standard clarifies the interaction of the factors that should be considered when determining whether a debt security is other&#150;than-temporarily impaired. For debt securities, management must assess whether (a) it has the intent to sell the security and (b) it is more likely than not that it will be required to sell the security prior to its
anticipated recovery. These steps are done before assessing whether the entity will recover the cost basis of the investment. Prior to the June 30, 2009 adoption, this assessment required management to assert it has both the intent and the ability to hold a security for a period of time sufficient to allow for anticipated recovery in fair value to avoid recognizing an other-than-temporary impairment. This change does not affect the need to forecast recovery of the value of the security through either cash flows or market price. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In instances when a determination is made that an other-than-temporary impairment exists but the investor does not intend to sell the debt security and it is not more likely than not that it will be required to sell the debt security prior to its anticipated recovery, FASB ASC 320-10-65 changes the presentation and amount of the other-than-temporary impairment recognized in the income statement. The other-than-temporary impairment is separated into (a) the amount of the total other-than-temporary impairment related to a decrease in cash flows expected to be collected from the debt security (the credit loss) and (b) the amount of the total
other-than-temporary impairment related to all other factors. The amount of the total other-than-temporary impairment related to the credit loss is recognized through earnings. The amount of the total other-than-temporary impairment related to all other factors is recognized through other comprehensive income. Impairment charges on certain investment securities of approximately $0.3 million, $5.6 million and $4.2 million were recognized in earnings during the years ended December 31, 2011, 2010 and 2009, respectively. </P>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Loans Held for Sale </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Mortgage loans originated and intended for sale in the secondary market are carried at the lower of cost or estimated fair value or fair value under the fair value option accounting guidance for financial instruments. For loans carried at the lower of cost or estimated fair value, gains and losses on loan sales (sale proceeds minus carrying value) are recorded in other income and direct loan origination costs and fees are deferred at origination of the loan and are recognized in other income upon sale of the loan. The Corporation had $1,018,000 and $333,000 in loans held for sale at December 31, 2011 and 2010, respectively. </P>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Loans </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Loans are stated at their principal amounts inclusive of net deferred loan origination fees. Interest income is credited as earned except when a loan becomes past due 90 days or more and doubt exists as to the ultimate collection of interest or principal; in those cases the recognition of income is discontinued. Loans that are past due 90 days or more that are both well secured and in the process of collection will remain on an accruing basis. When a loan is placed on non-accrual status, interest accruals cease and uncollected accrued interest is reversed and charged against current income. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In July 2010, the FASB issued Accounting Standards Update (&#147;ASU&#148;) No. 2010-20 (FASB ASC 310), <I>&#147;Disclosures about the Credit Quality of Financing Receivables and the Allowance for Credit Losses,&#148;</I> which requires that the Corporation provide a greater level of disaggregated information about the credit quality of the Corporation&#146;s loans and leases and the allowance for loan and lease losses (the &#147;Allowance&#148;). This ASU also requires the Corporation to disclose on a prospective basis, additional information related to credit quality indicators, non-accrual loans and leases, and past due information. The
Corporation adopted the provisions of this ASU in preparing the Consolidated Financial Statements as of and for the year ended December 31, 2010. As this ASU amends only the disclosure requirements for loans and leases and the Allowance, the adoption had no impact on the Corporation&#146;s statements of income and condition. See Note 5 of the Notes to the Consolidated Financial Statements for the required disclosures. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-9</P>

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<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC. AND SUBSIDIARIES<BR>&nbsp;&nbsp;<BR>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 1&nbsp;&#151;&nbsp;Summary of Significant Accounting Policies &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Portfolio segments are defined as the level at which an entity develops and documents a systematic methodology to determine its Allowance. Management has determined that the Corporation has two portfolio segments of loans and leases (commercial and consumer) in determining the Allowance. Both quantitative and qualitative factors are used by management at the portfolio segment level in determining the adequacy of the Allowance for the Corporation. Classes of loans and leases are a disaggregation of a Corporation&#146;s portfolio segments. Classes are defined as a group of loans and leases which share similar initial measurement attributes, risk
characteristics, and methods for monitoring and assessing credit risk. Management has determined that the Corporation has five classes of loans and leases (commercial and industrial (including lease financing), commercial&nbsp;&#151;&nbsp;real estate, construction, residential mortgage (including home equity) and installment). </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Generally, all classes of commercial and consumer loans and leases are placed on non-accrual status upon becoming contractually past due 90 days or more as to principal or interest (unless loans and leases are adequately secured by collateral, are in the process of collection, and are reasonably expected to result in repayment), when terms are renegotiated below market levels, or where substantial doubt about full repayment of principal or interest is evident. For certain installment loans, the entire outstanding balance on the loan is charged-off when the loan becomes 60 days past due. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Payments received on non-accrual loans are applied against principal. A loan may only be restored to an accruing basis when it again becomes well secured and in the process of collection or all past due amounts have been collected. Loan origination fees and certain direct loan origination costs are deferred and recognized over the life of the loan as an adjustment to the loan&#146;s yield using the level yield method. </P>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Impaired Loans </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation accounts for impaired loans in accordance with FASB ASC 310-10-35. The value of an impaired loan is based on the present value of expected future cash flows discounted at the loan&#146;s effective interest rate or, as a practical expedient, at the loan&#146;s observable market price or at the fair value of the collateral if the loan is collateral dependent. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation has defined its population of impaired loans to include all non-accrual and troubled debt restructuring loans. As part of the evaluation, the Corporation reviews all non-homogeneous loans for impairment internally classified as substandard or below, in each instance above an established dollar threshold of $200,000. Smaller impaired non-homogeneous loans and impaired homogeneous loans are not measured for specific reserves and are covered under the Corporation&#146;s general reserve. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">A loan is considered impaired when, based on current information and events, it is probable that the Corporation will not be able to collect all amounts due from the borrower in accordance with the contractual terms of the loan, including scheduled interest payments. Impaired loans include all classes of commercial and consumer non-accruing loans and all loans modified in a troubled debt restructuring (&#147;TDR&#148;). </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">When a loan has been identified as being impaired, the amount of impairment is measured based on the present value of expected future cash flows discounted at the loan&#146;s effective interest rate, the loan&#146;s observable market price, or the estimated fair value of the collateral, less any selling costs, if the loan is collateral-dependent. If the measurement of the impaired loan is less than the recorded investment in the loan (including accrued interest, net of deferred loan fees or costs and unamortized premiums or discounts), an impairment is recognized by creating or adjusting an existing allocation of the Allowance, or by recording a
partial charge-off of the loan to its fair value. Interest payments made on impaired loans are typically applied to principal unless collectability of the principal amount is reasonably assured, in which case interest income may be accrued or recognized on a cash basis. </P>

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<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC. AND SUBSIDIARIES<BR>&nbsp;&nbsp;<BR>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 1&nbsp;&#151;&nbsp;Summary of Significant Accounting Policies &nbsp;&#150;&nbsp;(continued)</H2>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Loans Modified in a Troubled Debt Restructuring </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Loans are considered to have been modified in a TDR when due to a borrower&#146;s financial difficulties, the Corporation makes certain concessions to the borrower that it would not otherwise consider. Modifications may include interest rate reductions, principal or interest forgiveness, forbearance, and other actions intended to minimize economic loss and to avoid foreclosure or repossession of collateral. Generally, a non-accrual loan that has been modified in a TDR remains on non-accrual status for a period of six months to demonstrate that the borrower is able to meet the terms of the modified loan. However, performance prior to the modification,
or significant events that coincide with the modification, are included in assessing whether the borrower can meet the new terms and may result in the loan being returned to accrual status at the time of loan modification or after a shorter performance period. If the borrower&#146;s ability to meet the revised payment schedule is uncertain, the loan remains on non-accrual status. </P>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Reserve for Credit Losses </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">A consequence of lending activities is that the Corporation may incur losses. The amount of such losses will vary depending upon the risk characteristics of the loan and lease portfolio as affected by economic conditions such as rising interest rates and the financial performance of borrowers. The Corporation&#146;s reserve for credit losses is comprised of two components, the allowance for loan losses and the reserve for unfunded commitments (the &#147;Unfunded Commitments&#148;). The reserve for credit losses provides for credit losses inherent in lending or commitments to lend and is based on loss estimates derived from a comprehensive quarterly
evaluation, reflecting analyses of individual borrowers and historical loss experience, supplemented as necessary by credit judgment to address observed changes in trends, conditions, and other relevant environmental and economic factors. </P>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Allowance for Loan Losses </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The allowance for loan losses (&#147;allowance&#148;) is maintained at a level determined adequate to provide for probable loan losses. The allowance is increased by provisions charged to operations and reduced by loan charge-offs, net of recoveries. The allowance is based on management&#146;s evaluation of the loan portfolio considering economic conditions, the volume and nature of the loan portfolio, historical loan loss experience and individual credit situations. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Material estimates that are particularly susceptible to significant change in the near-term relate to the determination of the allowance for loan losses. In connection with the determination of the allowance for loan losses, management obtains independent appraisals for significant properties. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The ultimate collectability of a substantial portion of the Bank&#146;s loan portfolio is susceptible to changes in the real estate market and economic conditions in the State of New Jersey and the impact of such conditions on the creditworthiness of the borrowers. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Management believes that the allowance for loan losses is adequate. Management uses available information to recognize loan losses; however, future additions to the allowance may be necessary based on changes in economic conditions. In addition, various regulatory agencies, as an integral part of their examination process, periodically review the Bank&#146;s allowance for loan losses. Such agencies may require the Bank to recognize additions to the allowance based on their judgments about information available to them at the time of their examinations. </P>

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<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC. AND SUBSIDIARIES<BR>&nbsp;&nbsp;<BR>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 1&nbsp;&#151;&nbsp;Summary of Significant Accounting Policies &nbsp;&#150;&nbsp;(continued)</H2>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Reserve for Unfunded Commitments </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The reserve for unfunded commitments is maintained at a level believed by management to be sufficient to absorb estimated probable losses related to unfunded credit facilities and is included in other liabilities in the consolidated statements of condition. The determination of the adequacy of the reserve is based upon an evaluation of the unfunded credit facilities, including an assessment of historical commitment utilization experience, and credit risk. Net adjustments to the reserve for unfunded commitments are included in other expense. </P>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Premises and Equipment </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Land is carried at cost and bank premises and equipment at cost less accumulated depreciation based on estimated useful lives of assets, computed principally on a straight-line basis. Expenditures for maintenance and repairs are charged to operations as incurred; major renewals and betterments are capitalized. Gains and losses on sales or other dispositions are recorded as a component of other income or other expenses. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">During the second quarter of 2010, the Corporation entered into a lease of its former operations facility under a direct financing lease. The lease has a 15 year term with no renewal options. According to the terms of the lease, the lessee has an obligation to purchase the property underlying the lease in either year seven (7), ten (10) or fifteen (15) at predetermined prices for those years as provided in the lease. The structure of the minimum lease payments and the purchase prices as provided in the lease provide an inducement to the lessee to purchase the property in year seven (7). </P>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Other Real Estate Owned </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Other real estate owned (&#147;OREO&#148;), representing property acquired through foreclosure and held for sale, are initially recorded at fair value less cost to sell at the date of foreclosure, establishing a new cost basis. Subsequently, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less cost to sell. Costs relating to holding the assets are charged to expenses. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">During the fourth quarter of 2011, the Corporation sold one commercial property and one residential property in Union County, New Jersey which were carried as OREO. During the fourth quarter of 2010, the Corporation sold one residential property in Morris County, New Jersey, and one residential property in Union County, New Jersey which were carried as OREO. At December 31, 2011 and 2010, the Corporation had $591,000 and $0, in OREO, respectively. </P>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Mortgage Servicing </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation performs various servicing functions on loans owned by others. A fee, usually based on a percentage of the outstanding principal balance of the loan, is received for those services. At December 31, 2011 and 2010, the Corporation was servicing approximately $8.9 million and $5.3 million, respectively, of loans for others. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation accounts for its servicing of financial assets in accordance with FASB ASC 860-50. The Corporation originates mortgages under plans to sell those loans and service the loans owned by the investor. The Corporation records mortgage servicing rights and the loans based on relative fair values at the date of sale. The balance of mortgage servicing rights at December 31, 2011 and 2010 are immaterial to the Corporation&#146;s consolidated financial statements. </P>

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<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-12</P>

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<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC. AND SUBSIDIARIES<BR>&nbsp;&nbsp;<BR>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 1&nbsp;&#151;&nbsp;Summary of Significant Accounting Policies &nbsp;&#150;&nbsp;(continued)</H2>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Employee Benefit Plans </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation has a non-contributory pension plan covering all eligible employees up until September 30, 2007, at which time the Corporation froze its defined benefit pension plan. As such, all future benefit accruals in this pension plan were discontinued and all retirement benefits that employees would have earned as of September 30, 2007 were preserved. The Corporation&#146;s policy is to fund at least the minimum contribution required by the Employee Retirement Income Security Act of 1974. The costs associated with the plan are accrued based on actuarial assumptions and included in other expense. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation accounts for its defined benefit pension plan in accordance with FASB ASC 715-30. FASB ASC 715-30 requires that the funded status of defined benefit postretirement plans be recognized on the Corporation&#146;s statement of condition and changes in the funded status be reflected in other comprehensive income. FASB ASC 715-30 also requires companies to measure the funded status of the plan as of the date of its fiscal year-end. </P>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Stock-Based Compensation </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Stock compensation accounting guidance (FASB ASC 718, &#147;Compensation-Stock Compensation&#148;) requires that the compensation cost related to share-based payment transactions be recognized in financial statements. That cost will be measured based on the grant date fair value of the equity or liability instruments issued. The stock compensation accounting guidance covers a wide range of share-based compensation arrangements including stock options, restricted share plans, performance-based awards, share appreciation rights and employee share purchase plans. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Stock compensation accounting guidance requires that compensation cost for all stock awards be calculated and recognized over the employees&#146; service period, generally defined as the vesting period. For awards with graded-vesting, compensation cost is recognized on a straight-line basis over the requisite service period for the entire award. A Black-Scholes model is used to estimate the fair value of stock options while the market price of the Corporation&#146;s common stock at the date of grant is used for restricted stock awards. See Note 16 of the Notes to Consolidated Financial Statements for a further discussion. </P>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Earnings per Share </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Basic Earnings per Share (&#147;EPS&#148;) is computed by dividing income available to common shareholders by the weighted-average number of common shares outstanding. Diluted EPS includes any additional common shares as if all potentially dilutive common shares were issued (e.g. stock options). The Corporation&#146;s weighted average common shares outstanding for diluted EPS include the effect of stock options outstanding using the Treasury Stock Method, which are not included in the calculation of basic EPS. </P>

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<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC. AND SUBSIDIARIES<BR>&nbsp;&nbsp;<BR>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 1&nbsp;&#151;&nbsp;Summary of Significant Accounting Policies &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Earnings per common share have been computed based on the following: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

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          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>Years Ended December 31,</TD>

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          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

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          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2009</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(In Thousands, Except per Share Amounts)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13,926</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,004</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,771</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Preferred stock dividends and accretion</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>820</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>581</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>567</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net income available to common stockholders</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>13,106</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>6,423</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>3,204</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Average number of common shares outstanding</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>16,296</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>15,026</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13,383</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Effect of dilutive options</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>19</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Average number of common shares outstanding used to calculate diluted earnings per common share</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>16,315</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>15,027</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>13,385</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Earnings per common share:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Basic</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.80</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.43</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.24</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Diluted</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.80</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.43</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.24</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Treasury Stock </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Parent Corporation, under a stock buyback program last amended on June 26, 2008, is authorized to buy back up to 2,039,731 shares of the Parent Corporation&#146;s common stock. Subject to limitations applicable to the Corporation, purchases may be made from time to time as, in the opinion of management, market conditions warrant, in the open market or in privately negotiated transactions. Shares repurchased will be added to the corporate treasury and will be used for future stock dividends and other issuances. As of December 31, 2011, Center Bancorp had 16.3 million shares of common stock outstanding. As of December 31, 2011, the Parent
Corporation had purchased 1,386,863 common shares at an average cost per share of $11.44 under the stock buyback program as amended on October 1, 2007 and June 26, 2008. The repurchased shares were recorded as treasury stock, which resulted in a decrease in stockholders&#146; equity. Treasury stock is recorded using the cost method and accordingly is presented as a reduction of stockholders&#146; equity. During the years ended December 31, 2011, 2010 and 2009, the Parent Corporation did not purchase any of its shares. </P>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Goodwill </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation adopted the provisions of FASB ASC 350-10 (previously SFAS No. 142, &#147;Goodwill and Other Intangible Assets&#148;), which requires that goodwill be tested for impairment annually, or more frequently if impairment indicators arise for impairment. No impairment charge was deemed necessary for the years ended December 31, 2011, 2010 and 2009. </P>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Comprehensive Income </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Total comprehensive income includes all changes in equity during a period from transactions and other events and circumstances from non-owner sources. The Corporation&#146;s other comprehensive income is comprised of unrealized holding gains and losses on securities available-for-sale and unrecognized actuarial gains and losses of the Corporation&#146;s defined benefit pension plan, net of taxes. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Disclosure of comprehensive income for the years ended December 31, 2011, 2010 and 2009 is presented in the Consolidated Statements of Changes in Stockholders&#146; Equity and presented in detail in Note 14 of the Notes to Consolidated Financial Statements. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-14</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC. AND SUBSIDIARIES<BR>&nbsp;&nbsp;<BR>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 1&nbsp;&#151;&nbsp;Summary of Significant Accounting Policies &nbsp;&#150;&nbsp;(continued)</H2>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Bank-Owned Life Insurance </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation invests in Bank-Owned Life Insurance (&#147;BOLI&#148;) to help offset the rising cost of employee benefits. During the 3rd quarter of 2010 the Corporation redeemed BOLI policies for proceeds of $5.6 million and purchased additional BOLI policies of $6.0 million. In conjunction with the redemption, the Corporation recorded a tax expense of $633,000. The change in the cash surrender value of the BOLI is recorded as a component of other income. </P>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Income Taxes </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation recognizes deferred tax assets and liabilities for the expected future tax consequences of events that have been included in the financial statements or tax returns. Under this method, deferred tax assets and liabilities are determined based on the difference between financial statement and tax bases of assets and liabilities, using enacted tax rates expected to be applied to taxable income in the years in which the differences are expected to be settled. Income tax-related interest and penalties are classified as a component of income tax expense. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">ASC Topic 740, <I>Taxes, </I>provides clarification on accounting for uncertainty in income taxes recognized in an enterprise&#146;s financial statements and prescribes a recognition threshold and measurement attribute for the financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return. The Corporation has not identified any income tax uncertainties. </P>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Advertising Costs </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation recognizes its marketing and advertising cost as incurred. Advertising costs were $131,000, $268,000 and $366,000 for the years ended December 31, 2011, 2010 and 2009, respectively. </P>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Reclassifications </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Certain reclassifications have been made in the consolidated financial statements for 2010 and 2009 to conform to the classifications presented in 2011. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 2&nbsp;&#151;&nbsp;Recent Accounting Pronouncements </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In April 2011, the FASB issued ASU No. 2011-03, <I>&#147;Reconsideration of Effective Control for Repurchase Agreements.&#148;</I> ASU No. 2011-03 modifies the criteria for determining when repurchase agreements would be accounted for as a secured borrowing rather than as a sale. Currently, an entity that maintains effective control over transferred financial assets must account for the transfer as a secured borrowing rather than as a sale. The provisions of ASU No. 2011-03 removes from the assessment of effective control the criterion requiring the transferor to have the ability to repurchase or redeem the financial assets on substantially the
agreed terms, even in the event of default by the transferee. The FASB believes that contractual rights and obligations determine effective control and that there does not need to be a requirement to assess the ability to exercise those rights. ASU No. 2011-03 does not change the other existing criteria used in the assessment of effective control. The provisions of ASU No. 2011-03 are effective prospectively for transactions, or modifications of existing transactions, that occur on or after January 1, 2012. As the Corporation accounts for all of its repurchase agreements as collateralized financing arrangements, the adoption of this ASU is not expected to have a material impact on the Corporation&#146;s statements of income and condition. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-15</P>

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<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC. AND SUBSIDIARIES<BR>&nbsp;&nbsp;<BR>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 2&nbsp;&#151;&nbsp;Recent Accounting Pronouncements &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In May 2011, the FASB issued ASU No. 2011-04, <I>&#147;Amendments to Achieve Common Fair Value Measurement and Disclosure Requirements in U.S. GAAP and IFRSs.&#148;</I> ASU No. 2011-04 results in a consistent definition of fair value and common requirements for measurement of and disclosure about fair value between U.S. GAAP and International Financial Reporting Standards (&#147;IFRS&#148;). The changes to U.S. GAAP as a result of ASU No. 2011-04 are as follows: (1) The concepts of highest and best use and valuation premise are only relevant when measuring the fair value of nonfinancial assets (that is, it does not apply to financial assets or any
liabilities); (2) U.S. GAAP currently prohibits application of a blockage factor in valuing financial instruments with quoted prices in active markets; ASU No. 2011-04 extends that prohibition to all fair value measurements; (3) An exception is provided to the basic fair value measurement principles for an entity that holds a group of financial assets and financial liabilities with offsetting positions in market risks or counterparty credit risk that are managed on the basis of the entity&#146;s net exposure to either of those risks; this exception allows the entity, if certain criteria are met, to measure the fair value of the net asset or liability position in a manner consistent with how market participants would price the net risk position; (4) Aligns the fair value measurement of instruments classified within an entity&#146;s shareholders&#146; equity with the guidance for liabilities; and (5) Disclosure requirements have been enhanced for recurring Level 3 fair value measurements
to disclose quantitative information about unobservable inputs and assumptions used, to describe the valuation processes used by the entity, and to describe the sensitivity of fair value measurements to changes in unobservable inputs and interrelationships between those inputs. In addition, entities must report the level in the fair value hierarchy of items that are not measured at fair value in the statement of condition but whose fair value must be disclosed. The provisions of ASU No. 2011-04 are effective for the Corporation&#146;s interim reporting period beginning on or after December 15, 2011. The adoption of ASU No. 2011-04 is not expected to have a material impact on the Corporation&#146;s statements of income or statements of condition. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In June 2011, the FASB issued ASU No. 2011-05, &#147;<I>Presentation of Comprehensive Income.&#148; </I>The provisions of ASU No. 2011-05 allow an entity the option to present the total of comprehensive income, the components of net income, and the components of other comprehensive income either in a single continuous statement of comprehensive income or in two separate but consecutive statements. In both choices, an entity is required to present each component of net income along with total net income, each component of other comprehensive income along with a total for other comprehensive income, and a total amount for comprehensive income. The
statement(s) are required to be presented with equal prominence as the other primary financial statements. ASU No. 2011-05 eliminates the option to present the components of other comprehensive income as part of the statement of changes in shareholders&#146; equity but does not change the items that must be reported in other comprehensive income or when an item of other comprehensive income must be reclassified to net income. The provisions of ASU No. 2011-05 are effective for the Corporation&#146;s interim reporting period beginning on or after December 15, 2011, with retrospective application required. The adoption of ASU No. 2011-05 is expected to result in presentation changes to the Corporation&#146;s statements of income and the addition of a statement of comprehensive income. The adoption of ASU No. 2011-05 will have no impact on the Corporation&#146;s statements of condition. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In September 2011, the FASB issued ASU No. 2011-08, &#147;<I>Intangibles&nbsp;&#151;&nbsp;Goodwill and Other (Topic 350): Testing Goodwill for Impairment</I>&#148;, which permits an entity to first perform a qualitative assessment to determine whether it is more likely than not that the fair value of a reporting unit is less than its carrying amount. If an entity believes, as a result of its qualitative assessment, that it is more likely than not that the fair value of a reporting unit is less than its carrying amount, the quantitative impairment test is required. Otherwise, no further impairment testing is required. The provisions of ASU No. 2011-08
are effective for the Corporation&#146;s interim goodwill impairment tests performed for fiscal years beginning after December 15, 2011. Early adoption is permitted, provided that the entity has not yet performed its annual impairment test for goodwill. The Corporation performs its annual impairment test for goodwill in the fourth quarter of each year. The adoption of ASU No. 2011-08 is not expected to have a material impact on the Corporation&#146;s statements of income and statements of condition. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-16</P>

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<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC. AND SUBSIDIARIES<BR>&nbsp;&nbsp;<BR>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 2&nbsp;&#151;&nbsp;Recent Accounting Pronouncements &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In December 2011, the FASB issued ASU No. 2011-12, &#147;<I>Comprehensive Income (Topic 220)</I>: <I>Deferral of the Effective Date for Amendments to the Presentation of Reclassifications of Items Out of Accumulated Other Comprehensive Income in Accounting Standards Update No. 2011-05</I>.&#148; The Update defers the specific requirement to present items that are reclassified from accumulated other comprehensive income to net income separately with their respective components of net income and other comprehensive income. The deferral comes after stakeholders raised concerns that the new presentation requirements about the reclassification of items
out of accumulated other comprehensive income would be costly for preparers and add unnecessary complexity to financial statements. As a result of the concerns, the FASB decided to reconsider whether it is necessary to require companies to present reclassification adjustments, by component, in both the statement where net income is presented and the statement where other comprehensive income is presented for both interim and annual financial statements. The FASB did not defer the requirement to report comprehensive income either in a single continuous statement or in two separate, but consecutive, financial statements. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In November 2008, the SEC released a proposed roadmap regarding the potential use by U.S. issuers of financial statements prepared in accordance with International Financial Reporting Standards (&#147;IFRS&#148;). IFRS is a comprehensive series of accounting standards published by the International Accounting Standards Board. Under the proposed roadmap, the Company may be required to prepare financial statements in accordance with IFRS as early as 2014. The Company is currently assessing the impact that this potential change would have on its consolidated financial statements, and it will continue to monitor the development of the potential
implementation of IFRS. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 3&nbsp;&#151;&nbsp;Cash and Due from Banks </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Bank maintained cash balances reserved to meet regulatory requirements of the Federal Reserve Board of approximately $1,155,000 and $4,248,000 at December 31, 2011 and 2010, respectively. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-17</P>

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<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC. AND SUBSIDIARIES<BR>&nbsp;&nbsp;<BR>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 4&nbsp;&#151;&nbsp;Investment Securities </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following tables present information related to the Corporation&#146;s portfolio of securities available-for-sale and held-to-maturity at December 31, 2011 and available-for-sale at December 31, 2010. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

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          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="296"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

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          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="60"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="60"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

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          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Amortized<BR> Cost</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Gross<BR> Unrealized<BR> Gains</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Gross<BR> Unrealized<BR> Losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Fair<BR>Value</TD>

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<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=15>December 31, 2011<BR></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=15><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Investment Securities Available-for-Sale:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Federal agency obligations</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>24,781</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>188</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>24,969</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Residential mortgage pass-through securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>113,213</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,157</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(6</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>115,364</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Obligations of U.S. states and political subdivisions</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>66,309</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,900</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(36</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>69,173</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Trust preferred securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>20,567</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>14</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(4,394</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>16,187</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Corporate bonds and notes</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>175,812</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,382</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(4,077</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>173,117</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Collateralized mortgage obligations</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,226</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,327</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,899</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Asset-backed securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,614</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>52</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(13</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,653</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Equity securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6,417</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>21</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(293</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6,145</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>417,939</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>6,714</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(10,146</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>414,507</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Investment Securities Held-to-Maturity:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Federal agency obligations</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>28,262</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>177</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(34</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>28,405</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial mortgage-backed securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,276</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(69</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,207</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Obligations of U.S. states and political subdivisions</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>37,695</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,615</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>40,310</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>72,233</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>2,792</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(103</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>74,922</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total investment securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>490,172</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>9,506</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(10,249</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>489,429</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="296"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="60"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="60"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="60"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="68"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Amortized<BR> Cost</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Gross<BR> Unrealized<BR> Gains</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Gross<BR> Unrealized<BR> Losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Fair<BR>Value</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=15>December 31, 2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=15><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Investment Securities Available-for-Sale:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>U.S. Treasury and agency securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,123</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(128</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,995</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Federal agency obligations</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>68,051</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,071</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(641</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>68,481</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Residential mortgage pass-through securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>180,037</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>115</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(2,419</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>177,733</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Obligations of U.S. states and political subdivisions</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>38,312</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,088</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>37,225</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Trust preferred securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>21,222</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>26</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(2,517</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>18,731</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Corporate bonds and notes</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>63,047</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,613</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>61,434</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Collateralized mortgage obligations</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,941</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,213</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,728</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Equity securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,135</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(382</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>4,753</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total investment securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>386,868</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,213</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(10,001</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>378,080</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation&#146;s investment securities are classified as available-for-sale and held-to-maturity at December 31, 2011 and available-for-sale at December 31, 2010. The available-for-sale securities are reported at fair value with unrealized gains or losses included in equity, net of taxes. Accordingly, the carrying value of such securities reflects their fair value at the balance sheet date. Fair value is based upon either quoted market prices, or in certain cases where there is limited activity in the market for a particular instrument, assumptions are made to determine their fair value. See Note 18 of the Notes to Consolidated Financial
Statements for a further discussion. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Transfers of debt securities from the available-for-sale category to the held-to-maturity category are made at fair value at the date of transfer. The unrealized holding gain or loss at the date of transfer remains in accumulated other comprehensive income and in the carrying value of the held-to-maturity investment </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-18</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC. AND SUBSIDIARIES<BR>&nbsp;&nbsp;<BR>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 4&nbsp;&#151;&nbsp;Investment Securities &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">security. Premiums or discounts on investment securities are amortized or accreted using the effective interest method over the life of the security as an adjustment of yield. Unrealized holding gains or losses that remain in accumulated other comprehensive income are amortized or accreted over the remaining life of the security as an adjustment of yield, offsetting the related amortization of the premium or accretion of the discount. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table presents information for investments in securities available-for-sale at December 31, 2011, based on scheduled maturities. Actual maturities can be expected to differ from scheduled maturities due to prepayment or early call options of the issuer. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="440"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>December 31, 2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Amortized<BR> Cost</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Fair<BR>Value</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investment Securities Available-for-Sale:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Due in one year or less</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,143</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,118</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Due after one year through five years</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>81,798</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>81,138</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Due after five years through ten years</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>108,395</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>107,155</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Due after ten years</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>103,973</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>100,587</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Residential mortgage pass-through securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>113,213</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>115,364</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Equity securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6,417</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6,145</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>417,939</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>414,507</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investment Securities Held-to-Maturity:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Due after five years through ten years</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,459</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,506</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Due after ten years</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>67,774</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>70,416</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>72,233</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>74,922</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total investment securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>490,172</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>489,429</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">During 2011, securities sold from the Corporation&#146;s available-for-sale portfolio generated proceeds of approximately $254.8 million. The gross realized gains on securities sold amounted to approximately $4,045,000, while the gross realized losses, which included impairment charges of $342,000, amounted to approximately $411,000 in 2011. During 2010, securities sold from the Corporation&#146;s available-for-sale portfolio generated proceeds of approximately $644.1 million. The gross realized gains on securities sold amounted to approximately $4,872,000, while the gross realized losses amounted to approximately $635,000 in 2010. During 2009,
securities sold from the Corporation&#146;s available-for-sale portfolio generated proceeds of approximately $665.8 million. The gross realized gains on securities sold amounted to approximately $5,897,000, while the gross realized losses amounted to approximately $1,168,000 in 2009. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-19</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC. AND SUBSIDIARIES<BR>&nbsp;&nbsp;<BR>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 4&nbsp;&#151;&nbsp;Investment Securities &nbsp;&#150;&nbsp;(continued)</H2>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Other-than-Temporarily Impaired Investments </H3>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Summary of Other-than-Temporary Impairment Charges </H1>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="408"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="48"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="48"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>Years Ended December 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2009</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>One variable rate private label CMO</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>18</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>360</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>188</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>One trust preferred security</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Two pooled trust preferred securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,818</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,433</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Principal losses on a variable rate CMO</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>324</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>398</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>One corporate bond</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>140</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>One equity security</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>113</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Reserve primary fund</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>364</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total other-than-temporary impairment charges</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>342</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>5,576</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>4,238</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation performs regular analysis on the available-for-sale securities portfolio to determine whether a decline in fair value indicates that an investment is other-than-temporarily impaired in accordance with FASB ASC 320-10. FASB ASC 320-10 requires companies to record other-than-temporary impairment (&#147;OTTI&#148;) charges, through earnings, if they have the intent to sell, or more likely than not be required to sell, an impaired debt security before recovery of its amortized cost basis. If the Corporation intends to sell or it is more likely than not it will be required to sell the security before recovery of its amortized cost basis,
less any current period credit loss, the OTTI is recognized in earnings equal to the entire difference between the investment&#146;s amortized cost basis and its estimated fair value at the balance sheet date. If the Corporation does not intend to sell the security and it is more likely than not that the entity will be required to sell the security before recovery of its amortized cost basis less any current period loss, and as such, it determines that a decline in fair value is other than temporary, the OTTI is separated into the amount representing the credit loss and the amount related to all other factors. The amount of the OTTI related to the credit loss is determined based on the present value of cash flows expected to be collected and is recognized in earnings. The amount of the total OTTI related to other factors is recognized in other comprehensive income, net of applicable taxes. The previous amortized cost basis less the OTTI recognized in earnings becomes the new amortized
cost basis of the investment. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation reviews all securities for potential recognition of other-than-temporary impairment. The Corporation maintains a watch list for the identification and monitoring of securities experiencing problems that require a heightened level of review. This could include credit rating downgrades. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation&#146;s assessment of whether an investment in the portfolio of assets is other than temporary includes factors such as whether the issuer has defaulted on scheduled payments, announced restructuring and/or filed for bankruptcy, has disclosed severe liquidity problems that cannot be resolved, disclosed deteriorating financial condition or sustained significant losses. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-20</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC. AND SUBSIDIARIES<BR>&nbsp;&nbsp;<BR>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 4&nbsp;&#151;&nbsp;Investment Securities &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table presents detailed information for each trust preferred security held by the Corporation at December 31, 2011, of which all but one has at least one rating below investment grade. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="708" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="153"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="62"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="62"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="81"></TD>

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="153"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="62"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="62"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="81"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>Deal Name</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Single<BR> Issuer or<BR> Pooled</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Class/<BR> Tranche</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Amortized<BR> Cost</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Fair<BR>Value</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Gross<BR> Unrealized<BR> Gain (Loss)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Lowest<BR> Credit<BR> Rating<BR> Assigned</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Number of<BR> Banks<BR> Currently<BR> Performing</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Deferrals<BR> and Defaults<BR> as % of<BR> Original<BR> Collateral</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Expected<BR> Deferral/Defaults<BR> as % of<BR> Remaining<BR> Performing<BR> Collateral</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=35><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Countrywide Capital IV</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>Single</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,770</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,403</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(367</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>BB+</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>None</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>None</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Countrywide Capital V</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>Single</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,747</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,230</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(517</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>BB+</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>None</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>None</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Countrywide Capital V</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>Single</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>250</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>203</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(47</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>BB+</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>None</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>None</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>NPB Capital Trust II</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>Single</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>868</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>882</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>14</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>NR</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>None</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>None</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Citigroup Cap IX</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>Single</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>991</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>857</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(134</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>BB</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>None</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>None</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Citigroup Cap IX</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>Single</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,903</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,652</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(251</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>BB</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>None</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>None</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Citigroup Cap XI</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>Single</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>246</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>214</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(32</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>BB</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>None</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>None</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>BAC Capital Trust X</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>Single</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,500</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,862</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(638</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>BB+</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>None</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>None</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Nationsbank Cap Trust III</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>Single</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,571</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,094</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(477</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>BB+</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>None</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>None</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Morgan Stanley Cap<BR>Trust IV</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>Single</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,500</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,074</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(426</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>BB+</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>None</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>None</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Morgan Stanley Cap<BR>Trust IV</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>Single</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,741</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,451</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(290</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>BB+</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>None</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>None</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Saturns&nbsp;&#151;&nbsp;GS 2004-06</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>Single</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>242</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>214</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(28</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>BB+</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>None</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>None</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Saturns&nbsp;&#151;&nbsp;GS 2004-06</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>Single</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>312</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>275</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(37</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>BB+</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>None</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>None</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Saturns&nbsp;&#151;&nbsp;GS 2004-04</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>Single</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>780</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>686</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(94</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>BB+</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>None</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>None</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Saturns&nbsp;&#151;&nbsp;GS 2004-04</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>Single</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>22</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>19</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(3</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>BB+</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>None</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>None</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Goldman Sachs</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>Single</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>855</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(145</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>BB+</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>None</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>None</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>ALESCO Preferred<BR>Funding VI</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>Pooled</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>C2</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>290</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>143</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(147</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>Ca</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: center" ROWSPAN=1 COLSPAN=1>37 of 56</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>32.9</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>40.9</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>ALESCO Preferred<BR>Funding VII</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Pooled</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>C1</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>834</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>73</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(761</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Ca</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>49 of 62</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>34.3</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>40.4</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>20,567</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>16,187</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(4,380</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation owns two pooled trust preferred securities (&#147;Pooled TRUPS&#148;), which consist of securities issued by financial institutions and insurances companies and the Corporation holds the mezzanine tranche of such securities. Senior tranches generally are protected from defaults by over-collateralization and cash flow default protection provided by subordinated tranches, with senior tranches having the greatest protection and mezzanine tranches subordinated to the senior tranches. Our analysis of these Pooled TRUPS falls within the scope of EITF 99-20, ASC 320-40 and uses a discounted cash flow model to determine the total OTTI loss.
The model considers the structure and term and the financial condition of the underlying issuers. Specifically, the model details interest rates, principal balances of note classes and underlying issuers and the allocation of the payments to the note classes according to a priority of payments specified in the offering circular and indenture. The current estimate of expected cash flows is based on the most recent trustee reports and other relevant market information including announcements of interest payment deferrals or defaults of underlying trust preferred securities. Assumptions used in the model include default rates, default rate timing profile and recovery rates. We assume no prepayments as these Pooled TRUPS were issued at comparatively tight spreads and as such, there is little incentive, if any, to prepay. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-21</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC. AND SUBSIDIARIES<BR>&nbsp;&nbsp;<BR>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 4&nbsp;&#151;&nbsp;Investment Securities &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">One of the Pooled TRUPS, ALESCO VI, has incurred its eleventh interruption of cash flow payments to date. Management reviewed the expected cash flow analysis and credit support to determine if it was probable that all principal and interest would be repaid, and no other-than-temporary impairment charge was recorded for the twelve months ended December 31, 2011. The other Pooled TRUP, ALESCO VII, incurred its ninth interruption of cash flow payments to date. Management determined that no other-than-temporary impairment charge existed on this security for the twelve months ended December 31, 2011. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">At December 31, 2011, excess subordination as a percentage of remaining performing collateral for the ALESCO Preferred Funding VI and VII investments were -40.4 percent and -45.0 percent, respectively. Excess subordination is the amount of performing collateral above the amount of outstanding collateral underlying each class of the security. The excess subordination as a percent of remaining performing collateral reflects the difference between the performing collateral and the collateral underlying each security divided by the performing collateral. A negative number results when the paying collateral is less than the collateral underlying each
class of the security. A low or negative number decreases the likelihood of full repayment of principal and interest according to original contractual terms. </P>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Credit Loss Portion of OTTI Recognized in Earning on Debt Securities </H3>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="384"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>Years Ended December 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2009</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Balance of credit-related OTTI at January 1,</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,197</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,621</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Addition:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Credit losses for which other-than-temporary impairment was not previously recognized</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>342</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,576</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,761</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Reduction:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Credit losses for securities sold during the period</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(3,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(140</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Balance of credit-related OTTI at December 31,</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>6,539</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>6,197</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>3,621</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation owns three variable rate private label collateralized mortgage obligations (CMOs), which were also evaluated for impairment. The Variable Rate Collateralized Mortgage Obligations were originally issued in 2006 and are 30 year Adjustable Rate Mortgage loans secured by a first lien, fully amortizing one-to-four residential mortgage loans. The tranche purchased was a Super Senior with an original credit rating of AAA/AAA. The top five states geographic concentration comprised in the deal were California 18.2 percent, Arizona 10.5 percent, Virginia 6.1 percent, Florida 6.5 percent and Nevada 6.3 percent. No one state exceeded a 25 percent
concentration. These states have been heavily impacted by the financial crises and as such have sustained heavy delinquencies affecting the credit rating of the security. Management had applied aggressive default rates to identify if any credit impairment exists, as these bonds were downgraded to below investment grade. The Corporation recorded $324,000 in principal losses on these bonds in 2011, and expects additional losses in future periods. As such, management determined that an other-than-temporary impairment charge exists and recorded a $18,000 write down to the bonds, which represents 0.5 percent of the par amount of $3.8 million. The new cost basis for these securities has been written down to $3.2 million. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation&#146;s investment portfolio also consists of overnight investments that were made into the Reserve Primary Fund (the &#147;Fund&#148;), a money market fund registered with the Securities and Exchange Commission as an investment company under the Investment Company Act of 1940. On September 22, 2008, the Fund announced that redemptions of shares of the Fund were suspended pursuant to an SEC order so that an orderly liquidation could be effected for the protection of the Fund&#146;s investors. Through December 31, 2009, the Corporation has received five distributions from the Fund, totaling approximately 92 percent of its outstanding
balance, leaving a remaining outstanding balance in the Fund of $2.943 million. On January 29, 2010, as part of the court order liquidation of the Fund, the Corporation received a sixth distribution or </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-22</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC. AND SUBSIDIARIES<BR>&nbsp;&nbsp;<BR>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 4&nbsp;&#151;&nbsp;Investment Securities &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">$2.446 million, bringing total distributions to date to approximately 99 percent. During the fourth quarter of 2009, the Corporation recorded a $364,000, or approximately 1 percent, other-than-temporary impairment charge to earnings relating to this court order liquidation of the Fund. The Corporation&#146;s outstanding carrying balance in the Fund as of January 31, 2010 totaled $133,000. In 2010, the Corporation recorded approximately $30,000 to earnings as partial recovery of the OTTI charge. The Corporation&#146;s outstanding carrying balance in the Fund as of December 31, 2011 was zero. Future liquidation distributions received by the Corporation,
if any, will be recorded to earnings. </P>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Temporarily Impaired Investments </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">For all other securities, the Corporation does not believe that the unrealized losses, which were comprised of 78 investment securities as of December 31, 2011, represent an other-than-temporary impairment. The gross unrealized losses associated with mortgage-backed securities, corporate bonds, asset-backed securities and tax-exempt securities are not considered to be other than temporary because their unrealized losses are related to changes in interest rates and do not affect the expected cash flows of the underlying collateral or issuer. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Factors affecting the market price include credit risk, market risk, interest rates, economic cycles, and liquidity risk. The magnitude of any unrealized loss may be affected by the relative concentration of the Corporation&#146;s investment in any one issuer or industry. The Corporation has established policies to reduce exposure through diversification of concentration of the investment portfolio including limits on concentrations to any one issuer. The Corporation believes the investment portfolio is prudently diversified. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The decline in value is related to a change in interest rates and subsequent change in credit spreads required for these issues affecting market price. All issues are performing and are expected to continue to perform in accordance with their respective contractual terms and conditions. Short to intermediate average durations and in certain cases monthly principal payments should reduce further market value exposure to increases in rates. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation evaluates all securities with unrealized losses quarterly to determine whether the loss is other than temporary. Unrealized losses in the mortgage-backed securities category consist primarily of U.S. agency and private issue collateralized mortgage obligations. Unrealized losses in the corporate debt securities category consist of single name corporate trust preferred securities, pooled trust preferred securities and corporate debt securities issued by large financial institutions. The decline in fair value is due in large part to the lack of an active trading market for these securities, changes in market credit spreads and rating
agency downgrades. For collateralized mortgage obligations, management reviewed expected cash flows and credit support to determine if it was probable that all principal and interest would be repaid. None of the corporate issuers have defaulted on interest payments. Management concluded that these securities were not other-than-temporarily impaired at December 31, 2011. Future deterioration in the cash flow on collateralized mortgage obligations or the credit quality of these large financial institution issuers of corporate debt securities could result in impairment charges in the future. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In determining that the securities giving rise to the previously mentioned unrealized losses were not other than temporary, the Corporation evaluated the factors cited above, which the Corporation considers when assessing whether a security is other-than-temporarily impaired. In making these evaluations the Corporation must exercise considerable judgment. Accordingly there can be no assurance that the actual results will not differ from the Corporation&#146;s judgments and that such differences may not require the future recognition of other-than-temporary impairment charges that could have a material affect on the Corporation&#146;s financial
position and results of operations. In addition, the value of, and the realization of any loss on, an investment security is subject to numerous risks as cited above. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-23</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC. AND SUBSIDIARIES<BR>&nbsp;&nbsp;<BR>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 4&nbsp;&#151;&nbsp;Investment Securities &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following tables indicate gross unrealized losses not recognized in income and fair value, aggregated by investment category and the length of time individual securities have been in a continuous unrealized loss position at December 31, 2011 and December 31, 2010: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="168"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=23>December 31, 2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>Less than 12 Months</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>12 Months or Longer</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Fair<BR>Value</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Unrealized<BR> Losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Fair<BR>Value</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Unrealized<BR> Losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Fair<BR>Value</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Unrealized<BR> Losses</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=23><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Investment Securities Available-for-Sale:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Residential mortgage<BR> pass-through securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,013</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(6</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,013</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(6</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Obligations of U.S. states and political subdivisions</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,352</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(36</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,352</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(36</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Trust preferred securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>15,272</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(4,394</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,325</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(996</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10,947</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(3,398</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Corporate bonds and notes</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>97,043</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(4,077</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>89,534</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(3,663</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,509</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(414</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Collateralized mortgage obligations</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,899</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,327</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,899</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,327</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Asset-backed securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,884</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(13</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,884</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(13</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Equity securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,242</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(293</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,242</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(293</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>125,705</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(10,146</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>104,108</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(4,714</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>21,597</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(5,432</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Investment Securities<BR> Held-to-Maturity:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Federal agency obligations</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11,980</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(34</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11,980</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(34</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Collateralized mortgage obligations</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6,207</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(69</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6,207</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(69</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>18,187</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(103</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>18,187</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(103</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total Temporarily Impaired Securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>143,892</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(10,249</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>122,295</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(4,817</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>21,597</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(5,432</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-24</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC. AND SUBSIDIARIES<BR>&nbsp;&nbsp;<BR>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 4&nbsp;&#151;&nbsp;Investment Securities &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="196"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=23>December 31, 2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>Less than 12 Months</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>12 Months or Longer</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Fair<BR> Value</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Unrealized<BR> Losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Fair<BR> Value</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Unrealized<BR> Losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Fair<BR> Value</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Unrealized<BR> Losses</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=23><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Investment Securities Available-for-Sale:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>U.S. Treasury and agency securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,995</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(128</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,995</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(128</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Federal agency obligations</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>35,799</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(641</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>32,113</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(622</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,686</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(19</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Residential mortgage pass-through securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>166,820</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(2,419</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>166,820</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(2,419</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Obligations of U.S. states and political subdivisions</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>19,699</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,088</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>19,699</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,088</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Trust preferred securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>16,058</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(2,517</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>16,058</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(2,517</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Corporate bonds and notes</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>61,434</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,613</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>52,985</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,175</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,449</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(438</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Collateralized mortgage obligations</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,728</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,213</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,728</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,213</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Equity securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>4,653</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(382</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,427</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(73</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,226</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(309</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total Temporarily Impaired Securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>314,186</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(10,001</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>282,039</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(5,505</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>32,147</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(4,496</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Investment securities having a carrying value of approximately $98.7 million and $125.6 million at December 31, 2011 and 2010, respectively, were pledged to secure public deposits, short-term borrowings, and FHLB advances and for other purposes required or permitted by law. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 5&nbsp;&#151;&nbsp;Loans and the Allowance for Loan Losses </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table sets forth the composition of the Corporation&#146;s loan portfolio including net deferred fees and costs, at December 31, 2011 and 2010, respectively: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="386"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial and industrial</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>146,662</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>121,034</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>408,010</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>372,001</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Construction</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>39,382</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>49,744</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Residential mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>160,999</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>165,154</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Installment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>957</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>511</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>756,010</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>708,444</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Included in the loan balances above are net deferred loan costs of $17,000 and $258,000 at December 31, 2011 and 2010, respectively. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">At December 31, 2011 and 2010, loans to officers and directors aggregated approximately $10,279,000 and $5,456,000, respectively. During the year ended December 31, 2011, the Corporation made new loans to officers and directors in the amount of $6,875,000; payments by such persons during 2011 aggregated $2,052,000. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Management is of the opinion that the above loans were made on the same terms and conditions as those prevailing for comparable transactions with non-related borrowers. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-25</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC. AND SUBSIDIARIES<BR>&nbsp;&nbsp;<BR>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 5&nbsp;&#151;&nbsp;Loans and the Allowance for Loan Losses &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">At December 31, 2011 and 2010 loan balances of approximately $469.5 million and $435.9 million were pledged to secure short term borrowings from the Federal Reserve Bank of New York and Federal Home Loan Bank Advances. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">During the second quarter of 2010, the Corporation entered into a lease of its former operations facility under a direct financing lease. The lease has a 15 year term with no renewal options. According to the terms of the lease, the lessee has an obligation to purchase the property underlying the lease in either year seven (7), ten (10) or fifteen (15) at predetermined prices for those years as provided in the lease. The structure of the minimum lease payments and the purchase prices as provided in the lease provide an inducement to the lessee to purchase the property in year seven (7). </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">At December 31, 2011 and 2010, the net investment in direct financing lease consists of a minimum lease receivable of $4,870,000 and $5,026,000, respectively, and unearned interest income of $1,123,000 and $1,317,000, respectively, for a net investment in direct financing lease of $3,747,000 and $3,709,000, respectively. The net investment in direct financing lease is carried as a component of loans in the Corporation&#146;s consolidated statements of condition. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Minimum future lease receipts of the direct financing lease are as follows: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="418"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="120"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>For years ending December 31,</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>(Dollars in Thousands)</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>171</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>216</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2014</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>216</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2015</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>228</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2016</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>265</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Thereafter</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,651</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total minimum future lease receipts</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>3,747</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table presents information about loan receivables on non-accrual status at December 31, 2011 and 2010: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="386"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial and industrial</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>125</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>456</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>225</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,563</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Construction</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,044</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,865</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Residential mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,477</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,290</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total loans receivable on non-accrual status</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>6,871</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>11,174</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-26</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC. AND SUBSIDIARIES<BR>&nbsp;&nbsp;<BR>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 5&nbsp;&#151;&nbsp;Loans and the Allowance for Loan Losses &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation continuously monitors the credit quality of its loans receivable. In addition to the internal staff, the Corporation utilizes the services of a third party loan review firm to rate the credit quality of its loans receivable. Credit quality is monitored by reviewing certain credit quality indicators. Assets classified &#147;Pass&#148; are deemed to possess average to superior credit quality, requiring no more than normal attention. Assets classified as &#147;Special Mention&#148; have generally acceptable credit quality yet possess higher risk characteristics/circumstances than satisfactory assets. Such conditions include strained
liquidity, slow pay, stale financial statements, or other conditions that require more stringent attention from the lending staff. These conditions, if not corrected, may weaken the loan quality or inadequately protect the Corporation&#146;s credit position at some future date. Assets are classified &#147;Substandard&#148; if the asset has a well defined weakness that requires management&#146;s attention to a greater degree than for loans classified special mention. Such weakness, if left uncorrected, could possibly result in the compromised ability of the loan to perform to contractual requirements. An asset is classified as &#147;Doubtful&#148; if it is inadequately protected by the net worth and/or paying capacity of the obligor or of the collateral, if any, that secures the obligation. Assets classified as doubtful include assets for which there is a &#147;distinct possibility&#148; that a degree of loss will occur if the inadequacies are not corrected. All loans past due 90 days
or more and all impaired loans are included in the appropriate category below. The following table presents information about the loan credit quality at December 31, 2011 and 2010: </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Credit Quality Indicators </H2>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="200"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>December 31, 2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>(Dollars in Thousands)</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Pass</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Special<BR> Mention</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Substandard</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Doubtful</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Total</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial and industrial</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 143,048</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 2,022</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 1,592</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> &#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 146,662</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>371,365</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>24,282</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12,363</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>408,010</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Construction</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>36,338</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,044</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>39,382</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Residential mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>155,326</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,673</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>160,999</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Installment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>957</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>957</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 707,034</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 26,304</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 22,672</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>&nbsp;&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 756,010</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Credit Quality Indicators</H2>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="200"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>December 31, 2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>(Dollars in Thousands)</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Pass</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Special<BR> Mention</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Substandard</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Doubtful</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Total</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial and industrial</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 116,741</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 1,929</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 2,364</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> &#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 121,034</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>345,096</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>15,383</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11,522</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>372,001</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Construction</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>43,879</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,588</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,277</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>49,744</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Residential mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>161,558</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,596</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>165,154</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Installment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>511</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>511</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 667,785</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 17,312</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 21,070</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 2,277</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 708,444</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-27</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC. AND SUBSIDIARIES<BR>&nbsp;&nbsp;<BR>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 5&nbsp;&#151;&nbsp;Loans and the Allowance for Loan Losses &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table provides an analysis of the impaired loans at December 31, 2011 and 2010: </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Impaired Loans </H2>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="220"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="60"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="60"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="60"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="60"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="68"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>December 31, 2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>(Dollars in Thousands)</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black"  ROWSPAN=1 COLSPAN=1>No Related Allowance Recorded</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Recorded<BR> Investment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Unpaid<BR> Principal<BR> Balance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Related<BR> Allowance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Average<BR> Recorded<BR> Investment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Interest<BR> Income<BR> Recognized</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial and industrial</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> &#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> &#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> &#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 292</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 11</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,121</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,570</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,390</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>149</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Construction</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,156</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 2,121</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 2,570</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>&nbsp;&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 6,838</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 160</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="220"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="60"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="60"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="60"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="60"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="68"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>With An Allowance Recorded</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Recorded<BR> Investment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Unpaid Principal<BR> Balance<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Related<BR> Allowance<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Average<BR> Recorded<BR> Investment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Interest<BR> Income<BR> Recognized</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 4,180</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 4,180</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 567</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 4,583</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 258</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Construction</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,044</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,584</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>200</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,048</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>18</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Residential mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>4,601</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>4,601</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>318</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>4,572</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>102</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 11,825</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 12,365</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 1,085</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 12,203</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 378</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><U>Total</U><BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial and industrial</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> &#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> &#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> &#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 292</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 11</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,301</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,750</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>567</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,973</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>407</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Construction</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,044</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,584</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>200</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,204</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>18</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Residential mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>4,601</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>4,601</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>318</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>4,572</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>102</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total (including related allowance)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 13,946</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 14,935</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 1,085</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 19,041</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 538</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Impaired Loans </H2>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="220"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="60"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="60"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="60"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="60"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="68"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>December 31, 2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>(Dollars in Thousands)</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black"  ROWSPAN=1 COLSPAN=1>No Related Allowance Recorded</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Recorded<BR> Investment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Unpaid<BR> Principal<BR> Balance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Related<BR> Allowance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Average<BR> Recorded<BR> Investment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Interest<BR> Income<BR> Recognized</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial and industrial</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 1,364</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 1,908</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> &#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 1,933</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 87</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,984</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,625</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,274</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>78</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Construction</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,865</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,642</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,855</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>112</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Residential mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,462</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,765</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,711</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>27</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 12,675</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 16,940</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>&nbsp;&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 14,773</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 304</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-28</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC. AND SUBSIDIARIES<BR>&nbsp;&nbsp;<BR>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 5&nbsp;&#151;&nbsp;Loans and the Allowance for Loan Losses &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="220"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="60"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="60"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="60"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="60"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="68"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>With An Allowance Recorded</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Recorded Investment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Unpaid Principal Balance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Related Allowance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Average Recorded Investment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Interest Income Recognized</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 4,180</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 4,180</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 618</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 4,181</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 204</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Residential mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,354</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,354</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>21</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,356</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>76</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 5,534</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 5,534</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 639</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 5,537</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 280</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><U>Total</U><BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial and industrial</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 1,364</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 1,908</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> &#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 1,933</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 87</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,164</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,805</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>618</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,455</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>282</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Construction</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,865</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,642</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,855</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>112</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Residential mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,816</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,119</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>21</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,067</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>103</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total (including related allowance)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 18,209</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 22,474</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 639</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 20,310</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 584</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation defines an impaired loan as a loan for which it is probable, based on information available at the determination date, that the Corporation will not collect all amounts due under the contractual terms of the loan. At December 31, 2011, impaired loans were primarily collateral dependent, and totaled $13.9 million. Specific reserves of $1.1 million were assigned to impaired loans of $11.8 million. Other impaired loans in the amount of $2.1 million had no specific reserve. At December 31, 2009 average impaired loans were $6.9 million and related interest income recognized was $267,000. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Loans are considered to have been modified in a troubled debt restructuring when due to a borrower&#146;s financial difficulties, the Corporation makes certain concessions to the borrower that it would not otherwise consider. Modifications may include interest rate reductions, principal or interest forgiveness, forbearance, and other actions intended to minimize economic loss and to avoid foreclosure or repossession of collateral. Generally, a non-accrual loan that has been modified in a troubled debt restructuring remains on non-accrual status for a period of six months to demonstrate that the borrower is able to meet the terms of the modified loan.
However, performance prior to the modification, or significant events that coincide with the modification, are included in assessing whether the borrower can meet the new terms and may result in the loan being returned to accrual status at the time of loan modification or after a shorter performance period. If the borrower&#146;s ability to meet the revised payment schedule is uncertain, the loan remains on non-accrual status. Included in impaired loans at December 31, 2011 are loans that are deemed troubled debt restructurings. Of these loans, $7.5 million, 81% of which are included in the tables above, are performing under the restructured terms and are accruing interest. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-29</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC. AND SUBSIDIARIES<BR>&nbsp;&nbsp;<BR>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 5&nbsp;&#151;&nbsp;Loans and the Allowance for Loan Losses &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table provides an analysis of the aging of loans, including deferred fees and costs, that are past due at December 31, 2011 and 2010: </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Aging Analysis </H2>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="156"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="60"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=27>December 31, 2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=27>(Dollars in Thousands)</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>30&nbsp;&#150;&nbsp;59 Days<BR> Past Due</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>60&nbsp;&#150;&nbsp;89 Days<BR> Past Due</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Greater<BR> Than<BR> 90 Days</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Total<BR> Past Due</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Current</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Total<BR> Loans<BR> Receivable</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Loans<BR> Receivable<BR> &gt; 90 Days<BR> And<BR> Accruing</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial and Industrial</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 137</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 1,544</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 125</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 1,806</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 144,856</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 146,662</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> &#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial Real Estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,331</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,335</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,254</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,920</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>400,090</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>408,010</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,029</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Construction</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,044</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,044</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>36,338</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>39,382</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Residential Mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,174</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>99</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,477</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,750</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>155,249</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>160,999</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Installment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>16</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>16</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>941</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>957</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 3,658</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 6,978</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 7,900</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 18,536</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 737,474</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 756,010</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 1,029</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Aging Analysis </H2>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="156"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="60"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=27>December 31, 2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=27>(Dollars in Thousands)</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>30&nbsp;&#150;&nbsp;59 Days<BR> Past Due</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>60&nbsp;&#150;&nbsp;89 Days<BR> Past Due</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Greater<BR> Than<BR> 90 Days</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Total<BR> Past Due</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Current</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Total<BR> Loans<BR> Receivable</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Loans<BR> Receivable<BR> &gt; 90 Days<BR> And<BR> Accruing</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial and Industrial</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 1,509</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 476</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 456</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 2,441</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 118,593</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 121,034</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> &#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial Real Estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,290</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,229</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,563</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10,082</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>361,919</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>372,001</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Construction</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>170</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>449</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,865</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,484</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>43,260</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>49,744</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Residential Mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,814</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>309</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,004</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,127</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>161,027</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>165,154</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>714</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Installment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>9</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>9</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>502</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>511</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 7,792</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 3,463</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 11,888</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 23,143</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 685,301</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 708,444</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 714</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-30</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC. AND SUBSIDIARIES<BR>&nbsp;&nbsp;<BR>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 5&nbsp;&#151;&nbsp;Loans and the Allowance for Loan Losses &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table details the amount of loans receivable that are evaluated individually, and collectively, for impairment, and the related portion of the allowance for loan loss that is allocated to each loan portfolio segment: </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Allowance for loan and lease losses </H2>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="157"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="62"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=27>December 31, 2011<BR> (Dollars in Thousands)</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>C &amp; I</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Comm R/E</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Construction</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Res Mtge</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Installment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Unallocated</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Total</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Allowance for loan and lease losses:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Individually evaluated for impairment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> &#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 567</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 200</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 318</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> &#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> &#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 1,085</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Collectively evaluated for impairment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,527</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,405</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>507</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>945</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>51</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>82</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>8,517</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 1,527</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 5,972</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 707</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 1,263</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 51</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 82</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 9,602</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Loans Receivable<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Individually evaluated for impairment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 953</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 12,769</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 3,044</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 5,050</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> &#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> &#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 21,816</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Collectively evaluated for impairment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>145,709</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>395,241</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>36,338</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>155,949</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>957</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>734,194</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>146,662</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>408,010</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>39,382</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 160,999</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>957</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>&nbsp;&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>756,010</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Allowance for loan and lease losses </H2>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="157"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="62"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=27>December 31, 2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=27>(Dollars in Thousands)</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>C &amp; I</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Comm R/E</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Construction</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Res Mtge</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Installment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Unallocated</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Total</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Allowance for loan and lease losses:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Individually evaluated for impairment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> &#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 618</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> &#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 21</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> &#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> &#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 639</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Collectively evaluated for impairment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,272</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,097</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>551</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,017</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>52</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>239</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>8,228</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 1,272</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 5,715</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 551</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 1,038</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 52</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 239</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 8,867</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Loans Receivable<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Individually evaluated for impairment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 2,748</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 11,960</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 5,865</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 1,354</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> &#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> &#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 21,927</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Collectively evaluated for impairment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>118,286</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>360,041</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>43,879</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>163,800</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>511</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>686,517</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 121,034</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 372,001</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 49,744</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 165,154</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 511</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> &#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1> 708,444</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation&#146;s allowance for loan losses is analyzed quarterly and many factors are considered, including growth in the portfolio, delinquencies, nonaccrual loan levels, and other factors inherent in the extension of credit. There have been no material changes to the allowance for loan loss methodology as disclosed in the Corporation&#146;s previous Annual Reports. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-31</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC. AND SUBSIDIARIES<BR>&nbsp;&nbsp;<BR>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 5&nbsp;&#151;&nbsp;Loans and the Allowance for Loan Losses &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">A summary of the activity in the allowance for loan losses is as follows: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="157"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="62"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=27>Year Ended December 31, 2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=27>(Dollars in thousands)</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>C &amp; I</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Comm R/E</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Construction</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Res Mtg</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Installment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Unallocated</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Total</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Balance at January 1,</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,272</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,715</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>551</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,038</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>52</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>239</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,867</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loans charged-off</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(186</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,168</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(631</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(23</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(20</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(2,028</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Recoveries</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>240</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>15</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>53</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>315</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Provision for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>201</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,410</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>787</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>195</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>12</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(157</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,448</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Balance at December 31,</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,527</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>5,972</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>707</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,263</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>51</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>82</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>9,602</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="306"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>For the Year Ended December 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2009</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Balance at the beginning of year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,867</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,711</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,254</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Provision for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,448</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,076</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,597</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loans charged-off</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(2,028</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(4,940</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(2,152</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Recoveries on loans previously charged-off</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>315</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>20</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>12</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Balance at the end of year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>9,602</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>8,867</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>8,711</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The amount of interest income that would have been recorded on non-accrual loans in 2011, 2010 and 2009 had payments remained in accordance with the original contractual terms was $378,000, $598,000 and $431,000, respectively. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">At December 31, 2011, there were no commitments to lend additional funds to borrowers whose loans were non-accrual or contractually past due in excess of 90 days and still accruing interest. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The policy of the Corporation is to generally grant commercial, mortgage and installment loans to New Jersey residents and businesses within its market area. The borrowers&#146; abilities to repay their obligations are dependent upon various factors including the borrowers&#146; income and net worth, cash flows generated by the borrowers&#146; underlying collateral, value of the underlying collateral, and priority of the lender&#146;s lien on the property. Such factors are dependent upon various economic conditions and individual circumstances beyond the control of the Corporation. The Corporation is therefore subject to risk of loss. The Corporation
believes its lending policies and procedures adequately minimize the potential exposure to such risks and that adequate provisions for loan losses are provided for all known and inherent risks. Collateral and/or personal guarantees are required for a large majority of the Corporation&#146;s loans. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-32</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC. AND SUBSIDIARIES<BR>&nbsp;&nbsp;<BR>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 5&nbsp;&#151;&nbsp;Loans and the Allowance for Loan Losses &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table presents information about the troubled debt restructurings (TDRs) by class transacted during the period indicated: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="242"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="96"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="104"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>Year Ended December 31, 2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Number of<BR>Loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Pre-restructuring<BR>Outstanding<BR>Recorded<BR>Investment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Post-restructuring<BR>Outstanding<BR>Recorded<BR>Investment</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Troubled debt restructurings:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial Real Estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,719</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,318</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Residential Mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,624</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,575</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;6</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>3,343</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>2,893</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation charged off $450,000 in connection with loan modifications at the time of the modification during the twelve months ended December 31, 2011. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation had no loans modified as a TDR within the previous twelve months that subsequently defaulted during the twelve months ended December 31, 2011. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation adopted ASU No. 2011-02 on July 1, 2011 which provides additional guidance to creditors for evaluating whether a modification or restructuring of a receivable is a troubled debt restructuring. In general, a modification or restructuring of a loan constitutes a TDR if the Corporation grants a concession to a borrower experiencing financial difficulty. Loans modified in TDRs are placed on non-accrual status until the Corporation determines that future collection of principal and interest is reasonably assured, which generally requires that the borrower demonstrate performance according to the restructured terms for a period of at least
six months. However, performance prior to the modification, or significant events that coincide with the modification, are included in assessing whether the borrower can meet the new terms and may result in the loan being returned to accrual status at the time of loan modification or after a shorter performance period. If the borrower&#146;s ability to meet the revised payment schedule is uncertain, the loan remains on non-accrual status. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Loans modified in a troubled debt restructuring totaled $11.1 million at December 31, 2011 of which $3.7 million were on non-accrual status. The remaining loans modified were current at the time of the restructuring and have complied with the terms of their restructure agreement. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In an effort to proactively manage delinquent loans, the Corporation has selectively extended to certain borrowers concessions such as rate reductions, extension of maturity dates, principal or interest forgiveness, adjusted repayment terms, forbearance agreements, or combinations of two or more of these concessions. As of December 31, 2011, loans on which concessions were made with respect to adjusted repayment terms amounted to $1.7 million. Loans on which combinations of two or more concessions were made amounted to $9.4 million. The concessions granted included principal concessions, rate reduction, adjusted repayment, extended maturity and
payment deferral. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-33</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC. AND SUBSIDIARIES<BR>&nbsp;&nbsp;<BR>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 6&nbsp;&#151;&nbsp;Premises and Equipment </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Premises and equipment are summarized as follows: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="306"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Estimated<BR> Useful Life<BR> (Years)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Land</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,403</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,403</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Buildings</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5&nbsp;&#150;&nbsp;40</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12,711</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12,656</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Furniture, fixtures and equipment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2&nbsp;&#150;&nbsp;20</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>16,191</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>15,929</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Leasehold improvements</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>5&nbsp;&#150;&nbsp;30</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,839</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,839</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Subtotal</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>33,144</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>32,827</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Less: accumulated depreciation and amortization</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>20,817</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>19,890</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total premises and equipment, net</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>12,327</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>12,937</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Depreciation and amortization expense of premises and equipment for the three years ended December 31, amounted to $926,000 in 2011, $1,096,000 in 2010 and $1,369,000 in 2009, respectively.</P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 7&nbsp;&#151;&nbsp;Goodwill and Other Intangible Assets </H2>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Goodwill </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Goodwill allocated to the Corporation as of December 31, 2011 and 2010 was $16,804,000. There were no changes in the carrying amount of goodwill during the fiscal years ended December 31, 2011 and 2010. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The table below provides information regarding the carrying amounts and accumulated amortization of amortized intangible assets as of the dates set forth below. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="348"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="68"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="68"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="76"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Gross<BR> Carrying<BR> Amount</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Accumulated<BR> Amortization</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Net<BR> Carrying<BR> Amount</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>As of December 31, 2011:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Core deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>703</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(605</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>98</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total intangible assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>703</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(605</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>98</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>As of December 31, 2010:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Core deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>703</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(548</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>155</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total intangible assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>703</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(548</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>155</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The current year and estimated future amortization expense for amortized intangible assets was $57,000 for 2011 and $44,000, $31,000, $18,000, $5,000 and $0, respectively, for 2012, 2013, 2014, 2015 and 2016. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-34</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC. AND SUBSIDIARIES<BR>&nbsp;&nbsp;<BR>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 8&nbsp;&#151;&nbsp;Deposits </H2>

<H4 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Time Deposits</H4>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">As of December 31, 2011 and 2010, the Corporation's total time deposits were $194.6 million and $181.6 million, respectively. As of December 31, 2011, the contractual maturities of these time deposits were as follows: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="466"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(dollars in thousands)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Amount</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>155,247</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>21,989</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2014</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,240</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2015</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,099</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2016</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,008</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Thereafter</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>194,583</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The amount of time deposits with balances of $100,000 or more was $137.9 million and $119.7 million as of December 31, 2011 and 2010, respectively. As of December 31, 2011, the contractual maturities of these time deposits were as follows: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="466"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(dollars in thousands)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Amount</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Three Months or Less</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>55,959</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Over Three Months through Six Months</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>36,460</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Over Six Months through Twelve Months</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>16,702</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Over Twelve Months</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>28,877</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>137,998</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 9&nbsp;&#151;&nbsp;Borrowed Funds: </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Short-term borrowings at December 31, 2011 and 2010 consisted of the following: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="386"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Securities sold under agreements to repurchase</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>28,855</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Federal funds purchased and FHLB short-term advances</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>13,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total short-term borrowings</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>&nbsp;&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>41,855</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The weighted average interest rates for short-term borrowings at December 31, 2011 and 2010 were zero percent and 0.27 percent, respectively. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Long-term borrowings at December 31, 2011 and 2010 consisted of the following: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="386"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>FHLB long-term advances</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>120,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>130,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Securities sold under agreements to repurchase</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>41,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>41,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total long-term borrowings</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>161,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>171,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Securities sold under agreements to repurchase had average balances of $67.4 million and $86.1 million for the years ended December 31, 2011 and 2010, respectively. The maximum amount outstanding at any month end during 2011 and 2010 was $84.8 million and $95.9 million, respectively. The average interest rate paid on securities sold under agreements to repurchase were 3.39 percent and 2.97 percent for the years ended </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-35</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC. AND SUBSIDIARIES<BR>&nbsp;&nbsp;<BR>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 9&nbsp;&#151;&nbsp;Borrowed Funds: &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">December 31, 2011 and 2010, respectively. Overnight federal funds purchased averaged $2.9 million during 2011 as compared to $0.4 million during 2010. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The weighted average interest rates on long term borrowings at December 31, 2011 and 2010 were 3.93 percent and 4.02 percent, respectively. The maximum amount outstanding at any month-end during 2011 and 2010 was $161.0 million and $223.1 million, respectively. The average interest rates paid on Federal Home Loan Bank advances were 3.51 percent and 3.95 percent for the years ended December 31, 2011 and 2010, respectively. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">At December 31, 2011 and 2010, advances from the Federal Home Loan Bank of New York (&#147;FHLB&#148;) amounted to $120.0 million and $130.0 million, respectively. The FHLB advances had a weighted average interest rate of 3.46 percent and 3.61 percent at December 31, 2011 and 2010, respectively. These advances are secured by pledges of FHLB stock, 1&nbsp;&#150;&nbsp;4 family residential mortgages, commercial real estate mortgages and U.S. Government and Federal Agency obligations. The advances are subject to quarterly call provisions at the discretion of the FHLB and at December 31, 2011 and 2010, are contractually scheduled for repayment as follows:
</P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="386"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2016</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>20,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>20,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2017</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>55,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>55,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>2018</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>40,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>40,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>120,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>130,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The securities sold under repurchase agreements to other counterparties included in long-term debt totaled $41.0 million at December 31, 2011 and 2010. The weighted average rates were 5.31 percent at December 31, 2011 and 2010. The schedule for contractual repayment is as follows: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="386"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2015</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2017</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>15,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>15,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>2018</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>16,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>16,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>41,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>41,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 10&nbsp;&#151;&nbsp;Subordinated Debentures: </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">During 2003, the Corporation formed a statutory business trust, which exists for the exclusive purpose of (i) issuing Trust Securities representing undivided beneficial interests in the assets of the Trust; (ii) investing the gross proceeds of the Trust securities in junior subordinated deferrable interest debentures (subordinated debentures) of the Corporation; and (iii) engaging in only those activities necessary or incidental thereto. These subordinated debentures and the related income effects are not eliminated in the consolidated financial statements as the statutory business trust is not consolidated in accordance with FASB ASC 810-10.
Distributions on the subordinated debentures owned by the subsidiary trust have been classified as interest expense in the Consolidated Statements of Income. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-36</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC. AND SUBSIDIARIES<BR>&nbsp;&nbsp;<BR>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 10&nbsp;&#151;&nbsp;Subordinated Debentures: &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table summarizes the mandatory redeemable trust preferred securities of the Corporation&#146;s Statutory Trust II at December 31, 2011. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-top; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="104"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="96"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="88"></TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>Issuance Date</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>Securities<BR> Issued</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>Liquidation Value</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>Coupon Rate</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>Maturity</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>Redeemable by<BR> Issuer Beginning</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt" ROWSPAN=1 COLSPAN=1>12/19/03</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: center">$5,000,000</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: center">$1,000 per<BR> Capital<BR> Security</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: center">Floating<BR> 3-month<BR> LIBOR + 285<BR> Basis Points</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: center">01/23/2034</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: center">01/23/2009</TD>

</TR>

</TABLE></DIV>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 11&nbsp;&#151;&nbsp;Income Taxes </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The current and deferred amounts of income tax expense for the years ended December 31, 2011, 2010 and 2009, respectively, are as follows: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="306"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2009</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Current:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Federal</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,818</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(27</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(19</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>State</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>187</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>198</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>146</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Subtotal</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>4,005</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>171</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>127</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Deferred:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Federal</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,157</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(191</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>824</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>State</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,249</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>242</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(5</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Subtotal</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,406</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>51</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>819</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Income tax expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>7,411</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>222</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>946</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Reconciliation between the amount of reported income tax expense and the amount computed by applying the statutory Federal income tax rate is as follows: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="306"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2009</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Income before income tax expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>21,337</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,226</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,717</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Federal statutory rate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>35</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>34</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>34</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Computed &#147;expected&#148; Federal income tax expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,468</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,457</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,604</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>State tax, net of Federal tax benefit</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>933</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>291</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>93</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Bank owned life insurance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(363</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(417</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(393</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Tax-exempt interest and dividends</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(595</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(75</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(334</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Tax on Bank Owned Life Insurance policy surrender gain</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>539</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Reversal of unrealized tax benefit &amp; interest</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(2,551</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other, net</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(32</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(22</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(24</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Income tax</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>7,411</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>222</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>946</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-37</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC. AND SUBSIDIARIES<BR>&nbsp;&nbsp;<BR>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 11&nbsp;&#151;&nbsp;Income Taxes &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The tax effects of temporary differences that give rise to significant portions of the deferred tax asset and deferred tax liability at December 31, 2011 and 2010 are presented in the following table: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="386"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Deferred tax assets:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Impaired assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,820</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,621</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Allowance for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,810</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,358</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Employee benefit plans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>59</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Unrealized losses on securities available-for-sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,154</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,462</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Pension actuarial losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,150</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,566</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Other</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>512</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>656</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Federal AMT Credits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>854</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,874</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>NJ NOL</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>373</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,258</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>NJ AMA credits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>210</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>213</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total deferred tax assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>11,896</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>17,067</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Deferred tax liabilities:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Depreciation</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>303</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>298</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Market discount accretion</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>43</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>29</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Deferred loan costs, net of fees</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>397</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>435</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Purchase accounting</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>40</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>62</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total deferred tax liabilities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>783</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>824</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net deferred tax asset</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>11,113</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>16,243</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Based on the Corporation&#146;s historical and current taxable income and the projected future taxable income, management believes it is more likely than not that the Corporation will realize the benefit of the net deductible temporary differences existing at December 31, 2011 and 2010, respectively. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">At December 31, 2011, the Corporation has no federal income tax loss carry forwards, and has state income tax loss carry forwards of approximately $6.4 million, which have expirations beginning in the year 2014. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In assessing the realization of deferred tax assets, management considers whether it is more likely than not that some portion or all of the deferred tax assets will not be realized. The ultimate realization of deferred tax assets is dependent upon the generation of future taxable income during periods in which those temporary differences become deductible. Management considers the scheduled reversal of deferred tax liabilities, the projected future taxable income, and tax planning strategies in making this assessment. During 2011 and 2010, based on the level of historical taxable income and projections for future taxable income over the periods in
which the deferred tax assets are deductible, the Corporation believes the net deferred tax assets are more likely than not to be realized. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation&#146;s federal income tax returns are open and subject to examination from the 2008 tax return year and forward. The Corporation&#146;s state income tax returns are generally open from the 2007 and later tax return years based on individual state statute of limitations. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-38</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC. AND SUBSIDIARIES<BR>&nbsp;&nbsp;<BR>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 12&nbsp;&#151;&nbsp;Commitments, Contingencies and Concentrations of Credit Risk </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In the normal course of business, the Corporation has outstanding commitments and contingent liabilities, such as standby and commercial letters of credit, unused portions of lines of credit and commitments to extend various types of credit. Commitments to extend credit and standby letters of credit generally do not exceed one year. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">These financial instruments involve, to varying degrees, elements of credit risk in excess of the amounts recognized in the consolidated financial statements. The commitment or contract amount of these financial instruments is an indicator of the Corporation&#146;s level of involvement in each type of instrument as well as the exposure to credit loss in the event of non-performance by the other party to the financial instrument. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation controls the credit risk of these financial instruments through credit approvals, limits and monitoring procedures. To minimize potential credit risk, the Corporation generally requires collateral and other credit-related terms and conditions from the customer. In the opinion of management, the financial condition of the Corporation will not be materially affected by the final outcome of these commitments and contingent liabilities. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">A substantial portion of the Bank&#146;s loans are secured by real estate located in New Jersey. Accordingly, the collectability of a substantial portion of the loan portfolio of the Bank is susceptible to changes in the real estate market. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table provides a summary of financial instruments with off-balance sheet risk at December 31, 2011 and 2010: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="386"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commitments under commercial loans and lines of credit</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>90,866</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>77,786</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Home equity and other revolving lines of credit</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>49,203</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>50,131</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Outstanding commercial mortgage loan commitments</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>32,938</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>32,554</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Standby letters of credit</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,800</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,225</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Performance letters of credit</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>20,482</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12,019</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Outstanding residential mortgage loan commitments</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>250</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Overdraft protection lines</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,850</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,898</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other consumer</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>201,139</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>179,863</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Other expenses include rentals for premises and equipment of $710,000 in 2011, $692,000 in 2010 and $704,000 in 2009. At December 31, 2011, the Corporation was obligated under a number of non-cancelable leases for premises and equipment, many of which provide for increased rentals based upon increases in real estate taxes and the cost of living index. These leases, most of which have renewal provisions, are principally operating leases. Minimum rentals under the terms of these leases for the years 2012 through 2016 are $625,000, $500,000, $533,000, $538,000 and $408,000, respectively. Minimum rentals due 2017 and after are $3,911,000. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation is subject to claims and lawsuits that arise in the ordinary course of business. Based upon the information currently available in connection with such claims, it is the opinion of management that the disposition or ultimate determination of such claims will not have a material adverse impact on the consolidated financial position, results of operations, or liquidity of the Corporation. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 13&nbsp;&#151;&nbsp;Stockholders&#146; Equity and Regulatory Requirements </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">On January 12, 2009, the Corporation issued $10 million in nonvoting senior preferred stock to the U.S. Department of Treasury under the Capital Purchase Program. As part of the transaction, the Corporation also issued warrants to the U.S. Treasury to purchase 173,410 shares of common stock of the Corporation at an exercise price of $8.65 per share. As previously announced, the Corporation&#146;s voluntary participation in the </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-39</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC. AND SUBSIDIARIES<BR>&nbsp;&nbsp;<BR>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 13&nbsp;&#151;&nbsp;Stockholders&#146; Equity and Regulatory Requirements &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Capital Purchase Program amounted to approximately 50 percent of what the Corporation had qualified for under the U.S. Treasury program. The Corporation believed that its participation in this program would strengthen its current well-capitalized position. The funding was used to support future loan growth. As a result of the successful completion of the rights offering in October 2009, the number of shares underlying the warrants held by the U.S. Treasury was reduced to 86,705 shares, or 50 percent of the original 173,410 shares as outlined by the provisions of the Capital Purchase Program. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">On September 15, 2011, the Corporation issued $11.25 million in nonvoting senior preferred stock to the Treasury under the Small Business Lending Fund Program (&#147;SBLF Program&#148;). Under the Securities Purchase Agreement, the Corporation issued to the Treasury a total of 11,250 shares of the Corporation&#146;s Senior Non-Cumulative Perpetual Preferred Stock, Series B, having a liquidation value of $1,000 per share. Simultaneously, using the proceeds from the issuance of the SBLF Preferred Stock, the Corporation redeemed from the Treasury, all 10,000 outstanding shares of its Fixed Rate Cumulative Perpetual Preferred Stock, Series A, liquidation
amount $1,000 per share, for a redemption price of $10,041,667, including accrued but unpaid dividends up to the date of redemption. The investment in the SBLF program provides the Corporation with approximately $1.25 million additional Tier 1 capital. The capital received under the program will allow the Corporation to continue to serve its small business clients through the commercial lending program. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">On December 7, 2011, the Corporation repurchased the warrants issued on January 12, 2009 to the U.S. Treasury as part of its participation in the U.S. Treasury&#146;s TARP Capital Purchase Program. In the repurchase, the Corporation paid the U.S. Treasury $245,000 for the warrants. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Federal Deposit Insurance Corporation (&#147;FDIC&#148;) and the Board of Governors of the Federal Reserve System (&#147;FRB&#148;) regulations require banks to maintain minimum levels of regulatory capital. Under the regulations in effect at December 31, 2011, the Bank was required to maintain (i) a minimum leverage ratio of Tier I capital to total adjusted assets of 4.00 percent, and (ii) minimum ratios of Tier I and total capital to risk-weighted assets of 4.00 percent and 8.00 percent, respectively. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Under its prompt corrective action regulations, the regulators are required to take certain supervisory actions with respect to an undercapitalized institution. Such actions could have a direct material effect on the institution&#146;s financial statements. The regulations establish a framework for the classification of financial institutions into five categories: well capitalized, adequately capitalized, undercapitalized, significantly undercapitalized and critically undercapitalized. Generally, an institution is considered well capitalized if it has a leverage (Tier I) capital ratio of at least 5.00 percent; a Tier I risk-based capital ratio of at
least 6.00 percent; and a total risk-based capital ratio of at least 10.00 percent. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The foregoing capital ratios are based in part on specific quantitative measures of assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices. Capital amounts and classifications are also subject to qualitative judgments by the regulators about capital components, risk weightings and other factors. The Comptroller of the Currency (&#147;OCC&#148;) has established higher minimum capital ratios for the Bank effective as of December 31, 2009: Tier 1 Risk-Based Capital of 10.0 percent, Total Risk-Based Capital of 12.0 percent and Tier 1 Leverage Capital of 8.0 percent. Similar categories apply to bank
holding companies. At December 31, 2011, the Bank&#146;s capital ratios were all above the minimum levels required. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">At December 31, 2011, management believes that the Bank and the Parent Corporation met all capital adequacy requirements to which they are subject. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following is a summary of the Bank&#146;s and the Parent Corporation&#146;s actual capital amounts and ratios as of December 31, 2011 and 2010, compared to the FRB and FDIC minimum capital adequacy requirements and the FRB and FDIC requirements for classification as a well-capitalized institution. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-40</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC. AND SUBSIDIARIES<BR>&nbsp;&nbsp;<BR>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 13&nbsp;&#151;&nbsp;Stockholders&#146; Equity and Regulatory Requirements &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="168"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>Union Center<BR> National Bank</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>Minimum<BR> Capital Adequacy</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>For Classification<BR> Under Corrective<BR> Action Plan<BR> as Well Capitalized</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Amount</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Ratio</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Amount</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Ratio</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Amount</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Ratio</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=23><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>December 31, 2011 Leverage (Tier 1) capital</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>127,473</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9.15</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>55,726</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>69,657</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Risk-Based Capital:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Tier 1</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>127,473</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11.81</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>43,175</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>64,762</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>137,075</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12.70</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>86,346</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>107,933</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>December 31, 2010 Leverage (Tier 1) capital</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>112,601</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9.56</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>48,088</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>59,262</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Risk-Based Capital:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Tier 1</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>112,601</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12.83</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>35,116</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>52,674</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>121,468</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13.84</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>70,232</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>87,790</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="168"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>Parent Corporation</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>Minimum Capital<BR> Adequacy</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>For Classification<BR> as Well Capitalized</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Amount</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Ratio</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Amount</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Ratio</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Amount</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Ratio</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=23><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>December 31, 2011 Leverage (Tier 1) capital</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>129,437</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9.29</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>55,732</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>69,665</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Risk-Based Capital:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Tier 1</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>129,437</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>43,146</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>64,719</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>139,039</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12.89</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>86,293</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>N/A</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>N/A</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>December 31, 2010 Leverage (Tier 1) capital</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>116,600</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9.90</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>48,098</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>59,275</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Risk-Based Capital:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Tier 1</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>116,600</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13.28</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>35,124</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>52,686</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>125,467</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>14.29</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>70,248</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>N/A</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>N/A</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation issued $5.2 million of subordinated debentures in 2003. These securities are included as a component of Tier 1 Capital for regulatory purposes. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">On March 1, 2005, the Federal Reserve adopted a final rule that allows the continued inclusion of outstanding and prospective issuances of trust preferred securities in the Tier I Capital of bank holding companies, subject to stricter quantitative limits and qualitative standards. The new quantitative limits became effective after a five-year transition period ended March 31, 2009. Under the final rules, trust preferred securities and other restricted core capital elements are limited to 25% of all core capital elements. Amounts of restricted core capital elements in excess of these limits may be included in Tier II Capital. Based on a review of the
final rule, the Corporation believes that its trust preferred issues qualify as Tier I Capital. However, in the event that the trust preferred issues do not qualify as Tier I Capital, the Corporation would remain well-capitalized. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Dodd-Frank Act includes certain provisions, often referred to as the &#147;Collins Amendment,&#148; concerning the capital requirements of the United States banking regulators. These provisions are intended to subject bank holding companies to the same capital requirements as their bank subsidiaries and to eliminate or significantly reduce the use of hybrid capital instruments, especially trust preferred securities, as regulatory </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-41</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC. AND SUBSIDIARIES<BR>&nbsp;&nbsp;<BR>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 13&nbsp;&#151;&nbsp;Stockholders&#146; Equity and Regulatory Requirements &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">capital. Under the Collins Amendment, trust preferred securities issued by a company, such as Union Center National Bank, with total consolidated assets of less than $15 billion before May 19, 2010 and treated as regulatory capital are grandfathered, but any such securities issued later are not eligible as regulatory capital. The banking regulators must develop regulations setting minimum risk-based and leverage capital requirements for holding companies and banks on a consolidated basis that are no less stringent than the generally applicable requirements in effect for depository institutions under the prompt corrective action regulations. The
banking regulators also must seek to make capital standards countercyclical so that the required levels of capital increase in times of economic expansion and decrease in times of economic contraction. The Dodd-Frank Act requires these new capital regulations to be adopted by the Federal Reserve in final form 18 months after the date of enactment of the Dodd-Frank Act (July 21, 2010). </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 14&nbsp;&#151;&nbsp;Comprehensive Income </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Total comprehensive income includes all changes in equity during a period from transactions and other events and circumstances from non-owner sources. The Corporation&#146;s other comprehensive income (loss) is comprised of unrealized holding gains and losses on securities available-for-sale, obligations for defined benefit pension plan and an adjustment to reflect the curtailment of the Corporation&#146;s defined benefit pension plan, net of taxes. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Disclosure of comprehensive income for the years ended December 31, 2011, 2010 and 2009 is presented in the Consolidated Statements of Changes in Stockholders&#146; Equity. The table below provides a reconciliation of the components of other comprehensive income to the disclosure provided in the statement of changes in stockholders&#146; equity. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The components of other comprehensive income (loss), net of taxes, were as follows for the following fiscal years ended December 31: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="330"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>Years Ended December 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2009</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Reclassification adjustments for OTTI losses included in income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>342</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,576</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,238</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Unrealized gains (losses) on available for sale securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,990</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,822</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(2,827</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Reclassification adjustment for realized gains arising during this period</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(3,976</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(4,237</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(4,729</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net unrealized gains (losses) on available-for-sale securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,356</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,161</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(3,318</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Unrealized holding gains on securities transferred from available-for-sale to held-to-maturity securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>245</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net unrealized gains (losses)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,601</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,161</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(3,318</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Tax effect</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(2,307</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(2,060</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,354</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Net of tax amount</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,294</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,101</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,964</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Actuarial (loss) gain</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,649</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>25</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Tax effect</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>584</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(10</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Net of tax amount</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,065</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>15</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net actuarial gains</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>142</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Tax effect</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(57</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Net of tax amount</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>85</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Other comprehensive income (loss), net of tax</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>2,229</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>3,101</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(1,864</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-42</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC. AND SUBSIDIARIES<BR>&nbsp;&nbsp;<BR>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 14&nbsp;&#151;&nbsp;Comprehensive Income &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Accumulated other comprehensive loss at December 31, 2011 and 2010 consisted of the following: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="562" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="386"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investment securities available for sale, net of tax</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(2,196</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(5,327</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Unamortized component of securities transferred from<BR> available-for-sale to held-to-maturity, net of tax</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>163</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Defined benefit pension and post-retirement plans, net of tax</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(3,413</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(2,348</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(5,446</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(7,675</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 15&nbsp;&#151;&nbsp;Pension and Other Benefits </H2>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Defined Benefit Plans </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation maintained a non-contributory pension plan for substantially all of its employees until September 30, 2007, at which time the Corporation froze its defined benefit pension plan. The benefits are based on years of service and the employee&#146;s compensation over the prior five-year period. The plan&#146;s benefits are payable in the form of a ten year certain and life annuity. The plan is intended to be a tax-qualified defined benefit plan under Section 401(a) of the Internal Revenue Code. The Pension Plan, which has been in effect since March 15, 1950, generally covers employees of Union Center National Bank and the Parent
Corporation who have attained age 21 and completed one year of service prior to September 30, 2007. Payments may be made under the Pension Plan once attaining the normal retirement age of 65 and is generally equal to 44 percent of a participant&#146;s highest average compensation over a 5-year period. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table sets forth changes in projected benefit obligation, changes in fair value of plan assets, funded status, and amounts recognized in the consolidated statements of condition for the Corporation&#146;s pension plans at December 31, 2011 and 2010. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="440"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Change in Benefit Obligation:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Projected benefit obligation at beginning of year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11,032</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10,660</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Service cost</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest cost</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>589</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>601</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Actuarial loss</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,335</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>393</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Benefits paid</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(611</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(622</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Projected benefit obligation at end of year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>12,345</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>11,032</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Change in Plan Assets:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Fair value of plan assets at beginning year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,993</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,652</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Actual return on plan assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(111</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>663</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Employer contributions</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>491</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>300</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Benefits paid</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(611</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(622</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Fair value of plan assets at end of year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>6,762</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>6,993</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Funded status</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(5,583</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(4,039</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Amounts related to unrecognized actuarial losses for the plan, on a pre-tax basis, that have been recognized in accumulated other comprehensive loss amounted to $5,563,000 and $3,914,000 at December 31, 2011 and 2010, respectively. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-43</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC. AND SUBSIDIARIES<BR>&nbsp;&nbsp;<BR>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 15&nbsp;&#151;&nbsp;Pension and Other Benefits &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The net periodic pension cost for 2011, 2010 and 2009 includes the following components: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="306"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2009</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Service cost</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest cost</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>589</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>601</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>606</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Expected return on plan assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(381</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(413</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(288</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Net amortization and deferral</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>179</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>130</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net periodic pension expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>387</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>318</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>318</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table presents the assumptions used to calculate the projected benefit obligation in each of the last three years. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="360"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2009</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Discount rate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.64</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5.25</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5.75</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Rate of compensation increase</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>N/A</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>N/A</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>N/A</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Expected long-term rate of return on plan assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5.50</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6.25</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following information is provided at December 31: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="306"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2009</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Information for Plans With a Benefit Obligation in Excess of Plan Assets<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-style: italic" ROWSPAN=1 COLSPAN=1>Weighted average assumptions used to determine net periodic benefit cost for years ended December 31</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Discount rate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5.25</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5.75</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6.25</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Expected long-term return on plan assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5.50</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6.25</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Rate of compensation increase</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>N/A</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>N/A</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>N/A</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The process of determining the overall expected long-term rate of return on plan assets begins with a review of appropriate investment data, including current yields on fixed income securities, historical investment data, historical plan performance and forecasts of inflation and future total returns for the various asset classes. This data forms the basis for the construction of a best-estimate range of real investment return for each asset class. An average, weighted real-return range is computed reflecting the Plan&#146;s expected asset mix, and that range, when combined with an expected inflation range, produces an overall best-estimate expected
return range. Specific factors such as the Plan&#146;s investment policy, reinvestment risk and investment volatility are taken into consideration during the construction of the best estimate real return range, as well as in the selection of the final return assumption from within the range. </P>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Plan Assets </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Union Center National Bank Pension Trust&#146;s weighted-average asset allocation at December 31, 2011, 2010 and 2009, by asset category, is as follows: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="306"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>Asset Category</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2009</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Equity securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>47</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>44</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>44</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Debt and/or fixed income securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>41</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>37</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>46</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Alternative investments, including commodities, foreign currency and real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Cash and other alternative investments, including hedge funds, equity structured notes</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>8</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>19</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>100</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>100</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>100</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">%<!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-44</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC. AND SUBSIDIARIES<BR>&nbsp;&nbsp;<BR>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 15&nbsp;&#151;&nbsp;Pension and Other Benefits &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The general investment policy of the Pension Trust is for the fund to experience growth in assets that will allow the market value to exceed the value of benefit obligations over time. Appropriate diversification on a total fund basis is achieved by following an allowable range of commitment within asset category, as follows: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="386"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Range</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Target</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Equity securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>21&nbsp;&#150;&nbsp;32</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>26</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Debt and/or fixed income securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>33&nbsp;&#150;&nbsp;49</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>41</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>International equity</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>18&nbsp;&#150;&nbsp;27</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>22</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Short term</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>N/A</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>N/A</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Other</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8&nbsp;&#150;&nbsp;13</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The fair values of the Corporation&#146;s pension plan assets at December 31, 2011 and 2010, by asset category, are as follows: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="194"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=2><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=2 COLSPAN=3>December 31,<BR> 2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>Fair Value Measurements at Reporting Date Using</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Quoted Prices<BR> in Active<BR> Markets for<BR> Identical Assets<BR> (Level 1)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Significant<BR> Other<BR> Observable<BR> Inputs<BR> (Level 2)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Significant<BR> Unobservable<BR> Inputs<BR> (Level 3)</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=15><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cash</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>512</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>512</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Equity securities:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>U.S. companies</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,788</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,788</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>International companies</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,405</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,405</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>U.S. Treasury securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,798</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,798</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Commodities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>259</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>259</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>&nbsp;6,762</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>&nbsp;6,762</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="194"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=2><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=2 COLSPAN=3>December 31, 2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>Fair Value Measurements at Reporting Date Using</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Quoted Prices<BR> in Active<BR> Markets for<BR> Identical Assets<BR> (Level 1)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Significant<BR> Other<BR> Observable<BR> Inputs<BR> (Level 2)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Significant<BR> Unobservable<BR> Inputs<BR> (Level 3)</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=15><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cash</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,379</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,379</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Equity Securities:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>U.S. companies</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,522</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,522</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>International companies</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,534</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,534</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>U.S. Treasury securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,378</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,378</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Corporate bonds</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>180</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>180</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>&nbsp;6,993</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>&nbsp;6,993</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-45</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC. AND SUBSIDIARIES<BR>&nbsp;&nbsp;<BR>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 15&nbsp;&#151;&nbsp;Pension and Other Benefits &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table presents the changes in pension plan asset with significant unobservable inputs (Level 3) for the year ended December 31: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="386"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Beginning balance, January 1,</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>331</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Actual return on plan assets:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Relating to assets still held at the reporting date</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Relating to assets sold during the period</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Purchases, sales and settlements</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(339</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Transfers out of Level 3</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Ending balance, December 31,</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The investment manager is not authorized to purchase, acquire or otherwise hold certain types of market securities (subordinated bonds, real estate investment trusts, limited partnerships, naked puts, naked calls, stock index futures, oil, gas or mineral exploration ventures or unregistered securities) or to employ certain types of market techniques (margin purchases or short sales) or to mortgage, pledge, hypothecate, or in any manner transfer as security for indebtedness, any security owned or held by the Plan. </P>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Cash Flows </H3>

<H4 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Contributions </H4>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Bank expects to contribute $453,000 to its Pension Trust in 2012. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Preservation of Access to Care for Medicare Beneficiaries and Pension Relief Act of 2010, signed into law on June 25, 2010, permits single employer and multiple employer defined benefit plan sponsors to elect to extend the plan&#146;s amortization period of a Shortfall Amortization Base over either a nine year period or a fifteen year period, rather than the seven year period required under the Pension Protection Act of 2006. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Bank has elected to apply the Pension Relief Act Fifteen Year amortization of the Shortfall Amortization Base for its 2012 minimum funding requirement. The minimum amount to be funded is $453,000, as noted above, by December 31, 2012 with the understanding that fully funding the plan earlier than this date will lower this amount and that funding the plan after this date will increase this amount. As noted, this amount is the minimum required funding amount. The Bank does have the option of funding above this amount but has contributed the minimum historically. </P>

<H4 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Estimated Future Benefit Payments </H4>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following benefit payments, which reflect expected future service, as appropriate, are expected to be paid in each year 2012, 2013, 2014, 2015, 2016 and years 2017-2021, respectively: $701,241, $717,192, $775,137, $767,674, $772,132 and $3,980,680. </P>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">401(k) Benefit Plan </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation maintains a 401(k) employee savings plan to provide for defined contributions which covers substantially all employees of the Corporation. The Corporation&#146;s contribution to its 401(k) plan provides a dollar-for-dollar matching contribution up to six percent of salary deferrals. For 2011, 2010 and 2009, employer contributions amounted to $358,000, $294,000 and $266,000, respectively. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 16&nbsp;&#151;&nbsp;Stock Based Compensation </H2>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Stock Option Plans </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">At December 31, 2011, the Corporation maintained two stock-based compensation plans from which new grants could be issued. The 2009 Equity Incentive Plan permits the grant of &#147;incentive stock options&#148; as </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-46</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC. AND SUBSIDIARIES<BR>&nbsp;&nbsp;<BR>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 16&nbsp;&#151;&nbsp;Stock Based Compensation &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">defined under the Internal Revenue Code, non-qualified stock options, restricted stock awards and restricted stock unit awards to employees, including officers, and consultants of the Corporation and its subsidiaries. The 2003 Non-Employee Director Stock Option Plan permits the grant of non-qualified stock options to the Corporation&#146;s non-employee directors. An aggregate of 394,417 shares remain available for grant under the 2009 Equity Incentive Plan and an aggregate of 431,003 shares remain available for grant under the 2003 Non-Employee Director Stock Option Plan. Such shares may be treasury shares, newly issued shares or a combination
thereof. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Options have been granted to purchase common stock principally at the fair market value of the stock at the date of grant. Options vest over a three year vesting period starting one year after the date of grant and generally expire ten years from the date of grant. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The total compensation expense related to these plans was $35,000, $51,000 and $77,000 for the years ended December 31, 2011, 2010 and 2009, respectively. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">As a result of the compensation expense related to stock options: (i) for the year ended December 31, 2011, the Corporation&#146;s income before income taxes and net income was reduced by $35,000 and $21,000, respectively; (ii) for the year ended December 31, 2010, the Corporation&#146;s income before income taxes and net income was reduced by $51,000 and $31,000, respectively; and (iii) for the year ended December 31, 2009, the Corporation&#146;s income before income taxes and net income was reduced by $77,000 and $51,000, respectively. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Under the principal option plans, the Corporation may grant restricted stock awards to certain employees. Restricted stock awards are non-vested stock awards. Restricted stock awards are independent of option grants and are generally subject to forfeiture if employment terminates prior to the release of the restrictions. Such awards generally vest during a period specified at the date of grant. During that period, ownership of the shares cannot be transferred. Restricted stock has the same cash dividend and voting rights as other common stock and is considered to be currently issued and outstanding. The Corporation expenses the cost of the restricted
stock awards, which is determined to be the fair market value of the shares at the date of grant, ratably over the period during which the restrictions lapse. During 2011, 2,780 shares were awarded while in 2010, 2,803 shares were awarded. During 2009, no shares were awarded. All shares were issued from Treasury shares. The amount of compensation cost related to restricted stock awards included in salary expense was $25,000, $25,000 and zero in 2011, 2010 and 2009, respectively. As of December 31, 2011, all shares relating to restricted stock awards were vested. Thus, there were no restricted stock awards outstanding at December 31, 2011. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Options covering 27,784, 38,203 and 38,203 shares were granted on March 1, 2011, March 1, 2010 and March 1, 2009, respectively. The fair value of share-based payment awards was estimated using the Black-Scholes option pricing model with the following assumptions and weighted average fair values: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="306"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2009</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Weighted average fair value of grants</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.89</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.16</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.48</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Risk-free interest rate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.19</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.29</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.90</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Dividend yield</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.32</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.41</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.69</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Expected volatility</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>22.25</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>28.60</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>33.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Expected life in months</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>65</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>62</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>69</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-47</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC. AND SUBSIDIARIES<BR>&nbsp;&nbsp;<BR>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 16&nbsp;&#151;&nbsp;Stock Based Compensation &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Option activity under the principal option plans as of December 31, 2011 and changes during the twelve months ended December 31, 2011 were as follows: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="230"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="52"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="68"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="68"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Shares</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Weighted-<BR> Average<BR> Exercise Price</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Weighted-<BR> Average<BR> Remaining Contractual Term<BR> (In Years)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Aggregate<BR> Intrinsic Value</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Outstanding at December 31, 2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>198,946</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9.75</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Granted</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>27,784</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9.11</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Exercised</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(42,495</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7.23</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Forfeited/cancelled/expired</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(12,857</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>11.75</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Outstanding at December 31, 2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>171,378</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>10.01</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>5.93</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>111,309</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Exercisable at December 31, 2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>105,388</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>10.75</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;4.48</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>41,611</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The aggregate intrinsic value of options above represents the total pre-tax intrinsic value (the difference between the Corporation&#146;s closing stock price on the last trading day of the twelve-months of fiscal 2011 and the exercise price, multiplied by the number of in-the-money options) that would have been received by the option holders had all option holders exercised their options on December 31, 2011. This amount changes based on the fair market value of the Parent Corporation&#146;s stock. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">As of December 31, 2011, $59,000 of total unrecognized compensation cost related to stock options is expected to be recognized over a weighted-average period of 1.39 years. Changes in options outstanding during the past three years were as follows: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="362"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="104"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>Stock Option Plan</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Shares</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Exercise Price<BR> Range per Share</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Outstanding, December 31, 2008 (125,468 shares exercisable)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>185,164</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: center" ROWSPAN=1 COLSPAN=1>&nbsp;$6.07 to $15.73</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Granted during 2009</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>38,203</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: center" ROWSPAN=1 COLSPAN=1>7.67</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Exercised during 2009</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(9,289</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: center" ROWSPAN=1 COLSPAN=1>6.07</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Expired or canceled during 2009</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(22,076</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&nbsp;$6.07 to $15.73</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Outstanding, December 31, 2009 (124,271 shares exercisable)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>192,002</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: center" ROWSPAN=1 COLSPAN=1>&nbsp;$7.67 to $15.73</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Granted during 2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>38,203</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: center" ROWSPAN=1 COLSPAN=1>8.53</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Exercised during 2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: center" ROWSPAN=1 COLSPAN=1>0.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Expired or canceled during 2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(31,259</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&nbsp;$7.67 to $15.73</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Outstanding, December 31, 2010 (138,898) shares exercisable)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>198,946</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: center" ROWSPAN=1 COLSPAN=1>&nbsp;$7.67 to $15.73</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Granted during 2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>27,784</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: center" ROWSPAN=1 COLSPAN=1>9.11</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Exercised during 2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(42,495</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: center" ROWSPAN=1 COLSPAN=1>7.71</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Expired or canceled during 2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(12,857</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>10.50 to $15.73</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Outstanding, December 31, 2011 (105,388) shares exercisable)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>171,378</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: center; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>&nbsp;$7.67 to $15.73</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Under the Director Stock Option Plan, there were stock options granted with a weighted average fair value of 27,784 and $1.89, 38,203 and $2.16 and 38,203 and $1.48 during the years ended December 31, 2011, 2010 and 2009, respectively. There were 2,780, 2,803 and zero share stock options granted under the Employee Stock Incentive Plan during the years ended December 31, 2011, 2010 and 2009, respectively. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 17&nbsp;&#151;&nbsp;Dividends and Other Restrictions </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Certain restrictions, including capital requirements, exist on the availability of undistributed net profits of the Bank for the future payment of dividends to the Parent Corporation. A dividend may not be paid if it would impair the capital of the Bank. Furthermore, prior approval by the Comptroller of the Currency is </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-48</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC. AND SUBSIDIARIES<BR>&nbsp;&nbsp;<BR>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 17&nbsp;&#151;&nbsp;Dividends and Other Restrictions &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">required if the total of dividends declared in a calendar year exceeds the total of the Bank&#146;s net profits for that year combined with the retained profits for the two preceding years. The Office of the Comptroller of the Currency (the &#147;OCC&#148;) has determined that the Memorandum of Understanding (the &#147;MOU&#148;) that had previously been entered into by the Bank is no longer required and, accordingly, the OCC has terminated the MOU. Therefore, the Bank may declare dividends without prior approval of the OCC. At December 31, 2011, approximately $22.3 million was available for payment of dividends based on the preceding guidelines.</P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 18&nbsp;&#151;&nbsp;Fair Value Measurements and Fair Value of Financial Instruments </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Management uses its best judgment in estimating the fair value of the Corporation&#146;s financial and non-financial instruments; however, there are inherent weaknesses in any estimation technique. Therefore, for substantially all financial and non-financial instruments, the fair value estimates herein are not necessarily indicative of the amounts the Corporation could have realized in a sale transaction on the dates indicated. The estimated fair value amounts have been measured as of their respective year-ends and have not been re-evaluated or updated for purposes of these financial statements subsequent to those respective dates. As such, the
estimated fair values of these financial and non-financial instruments subsequent to the respective reporting dates may be different than the amounts reported at each year-end. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">FASB ASC 820-10-05 defines fair value, establishes a framework for measuring fair value, establishes a three-level valuation hierarchy for disclosure of fair value measurement and enhances disclosure requirements for fair value measurements. The valuation hierarchy is based upon the transparency of inputs to the valuation of an asset or liability as of the measurement date. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">FASB ASC 820-10-65 provides additional guidance for estimating fair value in accordance with FASB ASC 820-10-05 when the volume and level of activity for the asset or liability have significantly decreased. This ASC also includes guidance on identifying circumstances that indicate a transaction is not orderly. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">FASB ASC 820-10-05 establishes a fair value hierarchy that prioritizes the inputs to valuation methods used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (Level 1 measurements) and the lowest priority to unobservable inputs (Level 3 measurements). The three levels of the fair value hierarchy under FASB ASC 820-10-05 are as follows: </P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left"><I>Level 1:</I>&nbsp;&nbsp;Unadjusted quoted prices in active markets that are accessible at the measurement date for identical, unrestricted assets or liabilities. </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left"><I>Level 2:</I>&nbsp;&nbsp;Quoted prices for similar assets and liabilities in active markets, and inputs that are observable for the asset or liability, either directly or indirectly, for substantially the full term of the financial instrument. </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left"><I>Level 3:</I>&nbsp;&nbsp;Prices or valuation techniques that require inputs that are both significant to the fair value measurement and unobservable (for example, supported with little or no market activity). </TD>

</TR>

</TABLE>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">An asset&#146;s or liability&#146;s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-49</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

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<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC. AND SUBSIDIARIES<BR>&nbsp;&nbsp;<BR>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 18&nbsp;&#151;&nbsp;Fair Value Measurements and Fair Value of Financial Instruments &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following information should not be interpreted as an estimate of the fair value of the entire Corporation since a fair value calculation is only provided for a limited portion of the Corporation&#146;s assets and liabilities. Due to a wide range of valuation techniques and the degree of subjectivity used in making the estimates, comparisons between the Corporation&#146;s disclosures and those of other companies may not be meaningful. The following methods and assumptions were used to estimate the fair values of the Corporation&#146;s assets measured at fair value on a recurring basis at December 31, 2011 and December 31, 2010: </P>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Cash and Cash Equivalents </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The carrying amounts for cash and cash equivalents approximate those assets&#146; fair value. </P>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Securities Available-for-Sale </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Where quoted prices are available in an active market, securities are classified with Level 1 of the valuation hierarchy. Level 1 inputs include securities that have quoted prices in active markets for identical assets. If quoted market prices are not available, then fair values are estimated by using pricing models, quoted prices of securities with similar characteristics, or discounted cash flows. Examples of instruments, which would generally be classified within Level 2 of the valuation hierarchy, include municipal bonds and certain agency collateralized mortgage obligations. In certain cases where there is limited activity in the market for a
particular instrument, assumptions must be made to determine their fair value and are classified as Level 3. Due to the inactive condition of the markets amidst the financial crisis, the Corporation treated certain securities as Level 3 securities in order to provide more appropriate valuations. For assets in an inactive market, the infrequent trades that do occur are not a true indication of fair value. When measuring fair value, the valuation techniques available under the market approach, income approach and/or cost approach are used. The Corporation&#146;s evaluations are based on market data and the Corporation employs combinations of these approaches for its valuation methods depending on the asset class. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">At December 31, 2011, the Corporation&#146;s two pooled trust preferred securities, ALESCO 6 and ALESCO 7, and one private label collateralized mortgage obligation were classified as Level 3. Market pricing for the Level 3 securities varied widely from one pricing service to another based on the lack of trading. As such, these securities were considered to no longer have readily observable market data that was accurate to support a fair value as prescribed by FASB ASC 820-10-05. The fair value measurement objective remained the same in that the price received by the Corporation would result from an orderly transaction (an exit price notion) and that
the observable transactions considered in fair value were not forced liquidations or distressed sales at the measurement date. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In regards to the pooled trust preferred securities (&#147;pooled TRUPS&#148;) and the private issue single name trust preferred security (&#147;single name TRUP&#148;), or collectively (&#147;TRUPS&#148;), the Corporation was able to determine fair value of the TRUPS using a market approach validation technique based on Level 2 inputs that did not require significant adjustments. The Level 2 inputs included: </P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">(a)</TD>

          <TD STYLE="text-align: left">Quoted prices in active markets for similar TRUPS with insignificant adjustments for differences between the TRUPS that the Corporation holds and similar TRUPS. </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">(b)</TD>

          <TD STYLE="text-align: left">Quoted prices in markets that are not active that represent current transactions for the same or similar TRUPS that do not require significant adjustment based on unobservable inputs. </TD>

</TR>

</TABLE>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Since June 30, 2008, the market for these TRUPS has become increasingly inactive. The inactivity was evidenced first by a significant widening of the bid-ask spread in the brokered markets in which these TRUPS trade and then by a significant decrease in the volume of trades relative to historical levels as well as other relevant factors. At December 31, 2011, the Corporation determined that the market for similar TRUPS had stabilized. That determination was made considering that there are more observable transactions for similar TRUPS, the prices for those transactions that have occurred are current and or represent fair value, and the </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-50</P>

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<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC. AND SUBSIDIARIES<BR>&nbsp;&nbsp;<BR>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 18&nbsp;&#151;&nbsp;Fair Value Measurements and Fair Value of Financial Instruments &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">observable prices for those transactions have stabilized over time, thus increasing the potential relevance of those observations. However, the Corporation&#146;s three TRUPS at December 31, 2011 have been classified within Level 3 because the Corporation determined that significant adjustments using unobservable inputs are required to determine a true fair value at the measurement date. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation owns three variable rate private label collateralized mortgage obligations (CMOs), which were also evaluated for impairment. The Variable Rate Collateralized Mortgage Obligations were originally issued in 2006 and are 30 year Adjustable Rate Mortgage loans secured by a first lien, fully amortizing one-to-four residential mortgage loans. The tranche purchased was a Super Senior with an original credit rating of AAA/AA. The top five states geographic concentration comprised in the deal were California 18.2 percent, Arizona 10.5 percent, Virginia 6.1 percent, Florida 6.5 percent and Nevada 6.3 percent. No one state exceeded a 25 percent
concentration. These states have been heavily impacted by the financial crises and as such have sustained heavy delinquencies affecting the credit rating of the security. Management had applied aggressive default rates to identify if any credit impairment exists, as these bonds were downgraded to below investment grade. The Corporation recorded $324,000 in principal losses on these bonds in 2011, and expects additional losses in future periods. As such, management determined that an other-than-temporary impairment charge exists and recorded a $18,000 write down to the bonds, which represents 0.5 percent of the par amount of $3.8 million. The new cost basis for these securities has been written down to $3.2 million and the fair value is $1.9 million. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation determined that an income approach valuation technique (present value technique) that maximizes the use of relevant observable inputs and minimizes the use of unobservable inputs will be equally or more representative of fair value than the market approach valuation technique used at the prior measurement dates. As a result, the Corporation used the discount rate adjustment technique to determine fair value. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The fair value as of December 31, 2011 was determined by discounting the expected cash flows over the life of the security. The discount rate was determined by deriving a discount rate when the markets were considered more active for this type of security. To this estimated discount rate, additions were made for more liquid markets and increased credit risk as well as assessing the risks in the security, such as default risk and severity risk. The securities continue to make scheduled cash flows and no material cash flow payment defaults have occurred to date. </P>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Securities Held-to-Maturity </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The fair value of the Company&#146;s investment securities held-to-maturity was primarily measured using information from a third-party pricing service. </P>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Loans Held for Sale </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Loans held for sale are required to be measured at the lower of cost or fair value. Under FASB ASC 820-10-05, market value is to represent fair value. Management obtains quotes or bids on all or part of these loans directly from the purchasing financial institutions. </P>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Loans Receivable </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The fair value of performing loans, except residential mortgages, is calculated by discounting scheduled cash flows through the estimated maturity using estimated market discount rates that reflect the credit and interest rate risks inherent in the loan. The estimate of maturity is based on the historical experience of the Bank with prepayments for each loan classification, modified as required by an estimate of the effect of current economic and lending conditions. For performing residential mortgage loans, fair value is estimated by discounting contractual cash flows adjusted for prepayment estimates using discount rates based on secondary market
sources adjusted to reflect differences in servicing and credit costs. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-51</P>

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<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC. AND SUBSIDIARIES<BR>&nbsp;&nbsp;<BR>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 18&nbsp;&#151;&nbsp;Fair Value Measurements and Fair Value of Financial Instruments &nbsp;&#150;&nbsp;(continued)</H2>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Restricted Stocks </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The carrying amount of restricted investment in bank stocks, which includes stock of the Federal Home Loan Bank of New York, Federal Reserve Bank of New York and Atlantic Central Bankers Bank, approximates fair value, and considers the limited marketability of such securities. </P>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Accrued Interest Receivable and Payable </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The carrying value of accrued interest receivable and accrued interest payable approximates its fair value. </P>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Deposits </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The fair value of deposits with no stated maturity, such as non-interest-bearing demand deposits, savings and interest-bearing checking accounts, and money market and checking accounts, is equal to the amount payable on demand as of December 31, 2011 and 2010. The fair value of certificates of deposit is based on the discounted value of contractual cash flows. The discount rate is estimated using the rates currently offered for deposits of similar remaining maturities. </P>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Short-Term Borrowings </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Short-term borrowings that mature within six months and securities sold under agreements to repurchase have fair values which approximate carrying value. </P>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Long-Term Borrowings </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Fair values of FHLB advances are estimated using discounted cash flow analysis, based on quoted prices for new FHLB advances with similar credit risk characteristics, terms and remaining maturity. These prices obtained from this active market represent a market value that is deemed to represent the transfer price if the liability were assumed by a third party. </P>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Subordinated Debt </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The fair value of subordinated debentures is estimated by discounting the estimated future cash flows, using market discount rates of financial instruments with similar characteristics, terms and remaining maturity. </P>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Off-Balance Sheet Financial Instruments </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The fair value of commitments to extend credits is estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present creditworthiness of the counterparties. For fixed rate loan commitments, fair value also considers the difference between current levels of interest rate and the committed rates. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The fair value of financial standby letters of credit is based on fees currently charged for similar agreements or on the estimated cost to terminate them or otherwise settle the obligations with the counterparties. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Assets and Liabilities Measured at Fair Value on a Recurring Basis </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">For financial assets and liabilities measured at fair value on a recurring basis, the fair value measurements by level within the fair value hierarchy used at December 31, 2011 and December 31, 2010 are as follows: </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-52</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC. AND SUBSIDIARIES<BR>&nbsp;&nbsp;<BR>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 18&nbsp;&#151;&nbsp;Fair Value Measurements and Fair Value of Financial Instruments &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="194"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=2><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=2 COLSPAN=3>December 31,<BR> 2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>Fair Value Measurements at Reporting Date Using</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Quoted Prices<BR> in Active<BR> Markets for<BR> Identical Assets<BR> (Level 1)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Significant<BR> Other<BR> Observable<BR> Inputs<BR> (Level 2)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Significant<BR> Unobservable<BR> Inputs<BR> (Level 3)</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=15><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Financial Instruments Measured at Fair Value on a Recurring Basis:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Federal agency obligations</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>24,969</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,004</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>22,965</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Residential mortgage pass-through securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>115,364</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>115,364</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Obligations of U.S. states and political subdivision</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>69,173</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>397</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>68,776</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Trust preferred securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>16,187</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>15,971</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>216</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Corporate bonds and notes</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>173,117</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>171,117</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Collateralized mortgage obligations</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,899</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,899</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Asset-backed securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,653</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,653</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Equity securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6,145</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6,145</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Securities available-for-sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>414,507</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>10,546</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>401,846</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>2,115</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="194"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=2><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=2 COLSPAN=3>December 31,<BR> 2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>Fair Value Measurements at Reporting Date Using</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Quoted Prices<BR> in Active<BR> Markets for<BR> Identical Assets<BR> (Level 1)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Significant<BR> Other<BR> Observable<BR> Inputs<BR> (Level 2)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Significant<BR> Unobservable<BR> Inputs<BR> (Level 3)</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=15><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Financial Instruments Measured at Fair Value on a Recurring Basis:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>U.S. Treasury and agency securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,995</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,995</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Federal agency obligations</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>68,481</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>68,481</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Mortgage backed securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>177,733</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>177,733</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Obligations of U.S. states and political subdivision</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>37,225</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>16,936</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>20,289</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Trust preferred securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>18,731</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>18,589</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>142</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Corporate bonds and notes</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>61,434</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>61,434</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Collateralized mortgage obligations</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,728</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,728</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Equity securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>4,753</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>4,753</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Securities available-for-sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>378,080</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>28,684</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>346,526</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>2,870</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-53</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC. AND SUBSIDIARIES<BR>&nbsp;&nbsp;<BR>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 18&nbsp;&#151;&nbsp;Fair Value Measurements and Fair Value of Financial Instruments &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The fair values used by the Corporation are obtained from an independent pricing service and represent either quoted market prices for the identical securities (Level 1 inputs) or fair values determined by pricing models using a market approach that considers observable market data, such as interest rate volatilities, LIBOR yield curve, credit spreads and prices from market makers and live trading systems (Level 2). The fair values of the federal agency obligations, obligations of states and political subdivision and corporate bonds and notes measured at fair value using Level 1 inputs at December 31, 2011 and 2010 represented the purchase price of
the securities since they were acquired near year-end 2011 and 2010. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table presents the changes in securities available-for-sale with significant unobservable inputs (Level 3) for the year ended December 31, 2011 and December 31, 2010: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="386"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Beginning balance, January 1,</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,870</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,349</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Transfers into Level 3</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,197</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Transfers out of Level 3</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(5,174</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Principal interest deferrals</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>118</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>118</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Principal paydown</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(697</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,083</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total net losses included in net income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(3,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total net unrealized (losses) gains</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(176</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,463</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Ending balance, December 31,</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>2,115</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>2,870</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Assets Measured at Fair Value on a Non-Recurring Basis </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">For assets measured at fair value on a non-recurring basis, the fair value measurements at December 31, 2011 are as follows: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="194"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=2><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=2 COLSPAN=3>December 31,<BR> 2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>Fair Value Measurements at Reporting Date Using</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Quoted Prices<BR> in Active<BR> Markets for<BR> Identical Assets<BR> (Level 1)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Significant<BR> Other<BR> Observable<BR> Inputs<BR> (Level 2)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Significant<BR> Unobservable<BR> Inputs<BR> (Level 3)</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=15><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Assets Measured at Fair Value on a Non-Recurring Basis:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Impaired loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10,740</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10,740</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="570" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="194"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=2><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=2 COLSPAN=3>December 31,<BR> 2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>Fair Value Measurements at Reporting Date Using</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Quoted Prices<BR> in Active<BR> Markets for<BR> Identical Assets<BR> (Level 1)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Significant<BR> Other<BR> Observable<BR> Inputs<BR> (Level 2)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Significant<BR> Unobservable<BR> Inputs<BR> (Level 3)</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=15><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Assets Measured at Fair Value on a Non-Recurring Basis:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Impaired loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,895</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,895</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">At December 31, 2011 and 2010, impaired loans totaled $11,825,000 and $5,534,000, respectively. The amount of related valuation allowances was $1,085,000 at December 31, 2011 and $639,000 at December 31, 2010. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-54</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC. AND SUBSIDIARIES<BR>&nbsp;&nbsp;<BR>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 18&nbsp;&#151;&nbsp;Fair Value Measurements and Fair Value of Financial Instruments &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following methods and assumptions were used to estimate the fair values of the Corporation&#146;s assets measured at fair value on a non-recurring basis at December 31, 2011 and 2010: </P>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Impaired Loans </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The value of an impaired loan is measured based upon the present value of expected future cash flows discounted at the loan&#146;s effective interest rate, or the fair value of the collateral if the loan is collateral dependent. Smaller balance homogeneous loans that are collectively evaluated for impairment, such as residential mortgage loans and installment loans, are specifically excluded from the impaired loan portfolio. The Corporation&#146;s impaired loans are primarily collateral dependent. Impaired loans are individually assessed to determine that each loan&#146;s carrying value is not in excess of the fair value of the related collateral or
the present value of the expected future cash flows. </P>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Other Real Estate Owned </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Certain assets such as other real estate owned (&#147;OREO&#148;) are measured at fair value less cost to sell. The Corporation believes that the fair value component in its valuation follows the provisions of FASB ASC 820-10-05. Fair value of OREO is determined by sales agreements or appraisals by qualified licensed appraisers approved and hired by the Corporation. Costs to sell associated with OREO is based on estimation per the terms and conditions of the sales agreements or appraisal. At December 31, 2011, the Corporation held approximately $591,000 fair value in OREO. </P>

<H3 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: italic; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Fair Value of Financial Instruments </H3>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">FASB ASC 825-10 requires all entities to disclose the estimated fair value of their financial instrument assets and liabilities. For the Corporation, as for most financial institutions, the majority of its assets and liabilities are considered financial instruments as defined in FASB ASC 825-10. Many of the Corporation&#146;s financial instruments, however, lack an available trading market as characterized by a willing buyer and willing seller engaging in an exchange transaction. It is also the Corporation&#146;s general practice and intent to hold its financial instruments to maturity and to not engage in trading or sales activities except for loans
held-for-sale and available-for-sale securities. Therefore, significant estimations and assumptions, as well as present value calculations, were used by the Corporation for the purposes of this disclosure. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-55</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC. AND SUBSIDIARIES<BR>&nbsp;&nbsp;<BR>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 18&nbsp;&#151;&nbsp;Fair Value Measurements and Fair Value of Financial Instruments &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Estimated fair values have been determined by the Corporation using the best available data and an estimation methodology suitable for each category of financial instruments. For those loans and deposits with floating interest rates, it is presumed that estimated fair values generally approximate the recorded book balances. The estimation methodologies used, the estimated fair values, and the recorded book balances at December 31, 2011 and 2010, were as follows: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="258"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=15>December 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Carrying Amount</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Fair Value</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Carrying Amount</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Fair Value</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=15><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>FINANCIAL ASSETS:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cash and cash equivalents</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>111,101</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>111,101</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>37,497</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>37,497</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investment securities available-for-sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>414,507</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>414,507</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>378,080</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>378,080</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investment securities held-to-maturity</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>72,233</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>74,922</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net loans (including loans held for sale)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>746,408</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>752,252</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>699,577</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>706,309</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Restricted investment in bank stocks</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,233</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,233</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,596</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,596</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Accrued interest receivable</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,219</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,219</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,134</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,134</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>FINANCIAL LIABILITIES:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-interest-bearing deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>167,164</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>167,164</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>144,210</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>144,210</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest-bearing deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>954,251</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>928,777</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>716,122</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>716,887</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Federal funds purchased, securities sold under agreement to repurchase and FHLB advances</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>161,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>175,933</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>212,855</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>221,425</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Subordinated debentures</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,155</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,159</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,155</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,157</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Accrued interest payable</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>992</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>992</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,041</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,041</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Financial instruments actively traded in a secondary market have been valued using quoted available market prices. Cash and due from banks, interest-bearing time deposits in other banks, federal funds sold, and interest receivable are valued at book value, which approximates fair value. Financial liability instruments with stated maturities have been valued using a present value discounted cash flow analysis with a discount rate approximating current market for similar liabilities. Interest payable is valued at book value, which approximates fair value. Financial liability instruments with no stated maturities have an estimated fair value equal to
both the amount payable on demand and the recorded book balance. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The fair value of the Corporation&#146;s investment securities held-to-maturity was primarily measured using information from a third-party pricing service. Quoted prices in active markets were used whenever available. If quoted prices were not available, fair values were measured using pricing models or other valuation techniques such as the present value of future cash flows, adjusted for credit loss assumptions. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Loans held for sale are required to be measured at the lower of cost or fair value. Under FASB ASC 820-10-05, market value is to represent fair value. Management obtains quotes or bids on all or part of these loans directly from the purchasing financial institutions. There was $1,018,000 in loans held for sale at December 31, 2011 and $333,000 at December 31, 2010. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The net loan portfolio has been valued using a present value discounted cash flow. The discount rate used in these calculations is the current rate at which similar loans would be made to borrowers with similar credit ratings, same remaining maturities, and assumed prepayment risk. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-56</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC. AND SUBSIDIARIES<BR>&nbsp;&nbsp;<BR>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 18&nbsp;&#151;&nbsp;Fair Value Measurements and Fair Value of Financial Instruments &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The fair value of commitments to originate loans is estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present creditworthiness of the counterparties. For fixed-rate loan commitments, fair value also considers the difference between current levels of interest rates and the committed rates. The fair values of letters of credit and lines of credit are based on fees currently charged for similar agreements or on the estimated cost to terminate or otherwise settle the obligations with the counterparties at the reporting date. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Changes in assumptions or estimation methodologies may have a material effect on these estimated fair values. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation&#146;s remaining assets and liabilities, which are not considered financial instruments, have not been valued differently than has been customary with historical cost accounting. No disclosure of the relationship value of the Corporation&#146;s core deposit base is required by FASB ASC 825-10. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Fair value estimates are based on existing balance sheet financial instruments, without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. For example, there are certain significant assets and liabilities that are not considered financial assets or liabilities, such as the brokerage network, deferred taxes, premises and equipment, and goodwill. In addition, the tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in the estimates. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Management believes that reasonable comparability between financial institutions may not be likely, due to the wide range of permitted valuation techniques and numerous estimates which must be made, given the absence of active secondary markets for many of the financial instruments. This lack of uniform valuation methodologies also introduces a greater degree of subjectivity to these estimated fair values. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 19&nbsp;&#151;&nbsp;Parent Corporation Only Financial Statements </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Parent Corporation operates its wholly-owned subsidiary, Union Center National Bank. The earnings of this subsidiary are recognized by the Corporation using the equity method of accounting. Accordingly, earnings are recorded as increases in the Corporation&#146;s investment in the subsidiaries and dividends paid reduce the investment in the subsidiaries. The ability of the Parent Corporation to pay dividends will largely depend upon the dividends paid to it by the Bank. Dividends payable by the Bank to the Corporation are restricted under supervisory regulations (see Note 17 of the Notes to Consolidated Financial Statements). </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-57</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC. AND SUBSIDIARIES<BR>&nbsp;&nbsp;<BR>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 19&nbsp;&#151;&nbsp;Parent Corporation Only Financial Statements &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Condensed financial statements of the Parent Corporation only are as follows: </P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Condensed Statements of Condition </H1>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="386"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>At December 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>ASSETS<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cash and cash equivalents</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,042</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,299</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investment in subsidiaries</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>139,107</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>122,129</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Securities available for sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>419</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>432</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>191</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>22</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>141,759</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>126,882</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>LIABILITIES AND STOCKHOLDERS&#146; EQUITY<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Other liabilities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>688</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>460</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Securities sold under repurchase agreement</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>310</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Subordinated debentures</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,155</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,155</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Stockholders&#146; equity</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>135,916</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>120,957</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total liabilities and stockholders&#146; equity</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>141,759</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>126,882</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Condensed Statements of Income </H1>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="306"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>For Years Ended December 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2009</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Income:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Dividend income from subsidiaries</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>785</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>500</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,474</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Other income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net losses on available for sale securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(97</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(325</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Management fees</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>294</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>290</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>298</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total Income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,086</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>701</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,450</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Expenses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(615</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(635</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(604</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Income before equity in undistributed earnings of subsidiaries</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>471</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>66</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,846</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Equity in undistributed earnings of subsidiaries</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>13,455</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6,938</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,925</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net Income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>13,926</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>7,004</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>3,771</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-58</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC. AND SUBSIDIARIES<BR>&nbsp;&nbsp;<BR>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 19&nbsp;&#151;&nbsp;Parent Corporation Only Financial Statements &nbsp;&#150;&nbsp;(continued)</H2>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Condensed Statements of Cash Flows </H1>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="306"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>For Years Ended December 31</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2009</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Cash flows from operating activities:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13,926</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,004</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,771</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Adjustments to reconcile net income to net cash provided by operating activities:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net losses on available for sale securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>97</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>325</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Equity in undistributed earnings of subsidiary</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(13,455</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(6,938</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,925</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Change in deferred tax asset</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>224</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(111</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>(Increase) decrease in other assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(298</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(44</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,838</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Increase (decrease) in other liabilities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>220</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>70</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(844</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Stock based compensation</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>35</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>51</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>77</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Net cash provided by operating activities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>431</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>464</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,131</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Cash flows from investing activities:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Maturity of available-for-sale securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>130</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>659</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Investments in subsidiaries</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,250</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(8,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(19,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Net cash used in investing activities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,250</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(7,870</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(18,341</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Cash flows from financing activities:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net decrease in borrowings</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(310</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(82</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(411</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cash dividends on common stock</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,955</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,800</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(3,166</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cash dividends on preferred stock</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(417</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(500</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(425</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Proceeds from issuance of Series B preferred stock</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11,250</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Redemption of Series A preferred stock</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(10,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Warrant repurchased</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(245</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Issuance cost of common stock</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(5</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(6</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(11</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Issuance cost of Series B preferred stock</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(84</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Proceeds from exercise of stock options</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>328</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>57</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Proceeds from restricted stock</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>25</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Proceeds from issuance of preferred stock and warrants</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Proceeds from issuance of shares from stock offerings</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12,148</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Issuance cost of common stock from common stock offering</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(770</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Tax (expense) from stock based compensation</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>7</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(73</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Net cash (used in) provided by financing activities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,438</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>9,022</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>16,971</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Increase (decrease) in cash and cash equivalents</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(2,257</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,616</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,761</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Cash and cash equivalents at beginning of year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>4,299</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,683</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>922</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Cash and cash equivalents at the end of year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>2,042</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>4,299</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>2,683</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-59</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CENTER BANCORP, INC. AND SUBSIDIARIES<BR>&nbsp;&nbsp;<BR>NOTES TO CONSOLIDATED FINANCIAL STATEMENTS </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note 20&nbsp;&#151;&nbsp;Quarterly Financial Information of Center Bancorp, Inc. (Unaudited) </H2>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="284"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="76"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=15>2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>4th Quarter</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>3rd Quarter</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2nd Quarter</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>1st Quarter</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=15><FONT STYLE="font-weight: normal">(Dollars in Thousands, Except per Share Data)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13,263</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12,919</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12,878</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12,867</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total interest expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,101</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,069</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,085</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,922</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10,162</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,850</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,793</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,945</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Provision for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>300</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,020</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>250</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>878</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total other income, net of securities gains</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,049</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,033</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>931</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>831</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net securities gains</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>817</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,250</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>801</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>766</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6,222</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,529</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,757</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,935</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Income before income taxes</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,506</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,584</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,518</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,729</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Provision from income taxes</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,884</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,882</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,934</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,711</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>3,622</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>3,702</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>3,584</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>3,018</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net income available to common stockholders</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>3,238</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>3,557</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>3,439</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>2,872</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Earnings per share:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Basic</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.20</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.22</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.21</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.18</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Diluted</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.20</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.22</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.21</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.18</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Weighted average common shares outstanding:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Basic</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>16,311,193</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>16,290,700</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>16,290,700</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>16,290,391</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Diluted</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>16,327,990</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>16,313,366</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>16,315,667</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>16,300,604</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="284"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="76"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=15>2010</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>4th Quarter</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>3rd Quarter</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2nd Quarter</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>1st Quarter</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=15><FONT STYLE="font-weight: normal">(Dollars in Thousands, Except per Share Data)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11,519</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12,035</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12,488</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12,672</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total interest expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,138</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,653</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,831</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>4,163</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,381</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,382</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,657</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,509</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Provision for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,048</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,307</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>781</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>940</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total other income, net of securities gains</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>989</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,102</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>825</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>895</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net securities gains (losses)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>315</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,033</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>657</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(3,344</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,997</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,442</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6,268</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6,392</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Income (loss) before income taxes</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,640</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,768</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,090</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,272</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Provision (Benefit) from income taxes</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(930</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,629</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,076</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,553</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>2,570</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>2,139</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>2,014</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>281</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net income available to common stockholders</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>2,426</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,993</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,868</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>136</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Earnings per share:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Basic</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.15</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.14</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.13</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.01</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Diluted</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.15</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.14</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.13</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.01</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Weighted average common shares outstanding:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Basic</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>16,289,832</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>14,649,397</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>14,574,832</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>14,574,832</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Diluted</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>16,290,071</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>14,649,397</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>14,576,223</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>14,579,871</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>


<P STYLE="text-align: left; text-indent: 1px"><IMG SRC="line.gif" STYLE="width: 72px; height: 1pt"></P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Note:&nbsp;&nbsp;Due to rounding, quarterly earnings per share may not sum to reported annual earnings per share.</P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">F-60</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#tCDAA"></a>Item 9. Changes in and Disagreements with Accountants on Accounting and Financial Disclosures </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">None. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#tCP"></a>Item 9A. Controls and Procedures </H2>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">(a) Evaluation of Disclosure Controls and Procedures </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation maintains disclosure controls and procedures that are designed to ensure that information required to be disclosed in its reports filed or submitted pursuant to the Securities Exchange Act of 1934, as amended (&#147;Exchange Act&#148;), is recorded, processed, summarized and reported within the time periods specified in the Securities and Exchange Commission&#146;s rules and forms, and that information required to be disclosed by the Corporation in its Exchange Act reports is accumulated and communicated to management, including the Corporation&#146;s Chief Executive Officer and Chief Financial Officer, to allow timely decisions
regarding required disclosure. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Under the supervision and with the participation of its management, including the Corporation&#146;s Chief Executive Officer and Chief Financial Officer, the Corporation evaluated the effectiveness of the design and operation of the Corporation&#146;s disclosure controls and procedures pursuant to Exchange Act Rule 13a-15(e) and 15d-15(e) as of December 31, 2011. Based upon that evaluation, the Corporation&#146;s Chief Executive Officer and Chief Financial Officer concluded that the Corporation&#146;s disclosure controls and procedures were effective as of such date as described below in Management&#146;s Report on Internal Control Over Financial
Reporting (Item 9A(b)). </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">(b) Management&#146;s Report on Internal Control over Financial Reporting </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation&#146;s management is responsible for establishing and maintaining adequate internal control over financial reporting as defined in Rules 13a-15(f) of the Exchange Act. The Corporation&#146;s internal control system is a process designed to provide reasonable assurance to the Corporation&#146;s management, Board of Directors and shareholders regarding the reliability of financial reporting and the preparation and fair presentation of financial statements for external reporting purposes in accordance with U.S. generally accepted accounting principles. Our internal control over financial reporting includes policies and procedures that
pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect transactions and dispositions of assets; provide reasonable assurances that transactions are recorded as necessary to permit preparation of financial statements in accordance with U.S. generally accepted accounting principles and that receipts and expenditures are being made only in accordance with authorizations of management and the directors of the Corporation; and provide reasonable assurance regarding prevention or timely detection of unauthorized acquisition, use or disposition of the Corporation&#146;s assets that could have a material effect on our financial statements. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">All internal control systems, no matter how well designed, have inherent limitations. Therefore, even those systems determined to be effective can provide only reasonable assurance with respect to financial statement preparation and presentation. Also, projections of any evaluation of effectiveness to future periods are subject to the risk that controls may become inadequate because of changes in conditions, or that the degree of compliance with the policies or procedures may deteriorate. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">As part of the Corporation&#146;s program to comply with Section 404 of the Sarbanes-Oxley Act of 2002, our management assessed the effectiveness of the Corporation&#146;s internal control over financial reporting as of December 31, 2011 (the &#147;Assessment&#148;). In making this Assessment, management used the control criteria framework of the Committee of Sponsoring Organizations (&#147;COSO&#148;) of the Treadway Commission published in its report entitled Internal Control&nbsp;&#151;&nbsp;Integrated Framework. Management&#146;s Assessment included an evaluation of the design of the Corporation&#146;s internal control over financial reporting
and testing of the operational effectiveness of its internal control over financial reporting. Management reviewed the results of its Assessment with the Audit Committee. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">66</P>

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<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Based on this Assessment, management determined that, as of December 31, 2011, the Corporation&#146;s internal control over financial reporting was effective to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with accounting principles generally accepted in the United States of America. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">ParenteBeard LLC, the independent registered public accounting firm that audited the Corporation&#146;s consolidated financial statements included in this Annual Report on Form 10-K, has issued an audit report on the Corporation&#146;s internal control over financial reporting as of December 31, 2011. The report, which expresses an unqualified opinion on the effectiveness of the Corporation&#146;s internal control over financial reporting as of December 31, 2011, is included in this item under the heading &#147;Report of Independent Registered Public Accounting Firm.&#148; </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">67</P>

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<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">(c) Report of Independent Registered Public Accounting Firm </H2>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Board of Directors and Stockholders<BR>Center Bancorp, Inc. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">We have audited Center Bancorp, Inc.&#146;s (the &#147;Corporation&#148;) internal control over financial reporting as of December 31, 2011, based on criteria established in <I>Internal Control&nbsp;&#151;&nbsp;Integrated Framework</I> issued by the Committee of Sponsoring Organizations of the Treadway Commission (COSO). Center Bancorp, Inc.&#146;s management is responsible for maintaining effective internal control over financial reporting and for its assessment of the effectiveness of internal control over financial reporting included in the accompanying Management&#146;s Report on Internal Control over Financial Reporting. Our responsibility is to
express an opinion on the Corporation&#146;s internal control over financial reporting based on our audit. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">We conducted our audit in accordance with the standards of the Public Company Accounting Oversight Board (United States). Those standards require that we plan and perform the audit to obtain reasonable assurance about whether effective internal control over financial reporting was maintained in all material respects. Our audit of internal control over financial reporting included obtaining an understanding of internal control over financial reporting, assessing the risk that a material weakness exists, and testing and evaluating the design and operating effectiveness of internal control based on the assessed risk. Our audit also included performing
such other procedures as we considered necessary in the circumstances. We believe that our audit provides a reasonable basis for our opinion. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">A corporation&#146;s internal control over financial reporting is a process designed to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with accounting principles generally accepted in the United States of America. A corporation&#146;s internal control over financial reporting includes those policies and procedures that (1) pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect the transactions and dispositions of the assets of the corporation; (2) provide reasonable assurance that transactions are
recorded as necessary to permit preparation of financial statements in accordance with generally accepted accounting principles, and that receipts and expenditures of the corporation are being made only in accordance with authorizations of management and directors of the corporation; and (3) provide reasonable assurance regarding prevention or timely detection of unauthorized acquisition, use, or disposition of the corporation&#146;s assets that could have a material effect on the financial statements. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. Also, projections of any evaluation of effectiveness to future periods are subject to the risk that controls may become inadequate because of changes in conditions, or that the degree of compliance with the policies or procedures may deteriorate. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In our opinion, Center Bancorp, Inc. maintained, in all material respects, effective internal control over financial reporting as of December 31, 2011, based on the criteria established in <I>Internal Control&nbsp;&#151;&nbsp;Integrated Framework</I> issued by the Committee of Sponsoring Organizations of the Treadway Commission (COSO). </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">We also have audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States), the consolidated statements of condition of Center Bancorp, Inc. and subsidiaries and the related consolidated statements of income, changes in stockholders&#146; equity and cash flows for each of the years in the three-year period ended December 31, 2011 and our report dated March 13, 2012, expressed an unqualified opinion. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 244px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">/s/ ParenteBeard LLC<BR></P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">ParenteBeard LLC<BR>Clark, New Jersey<BR>March 13, 2012</P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">68</P>

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<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">(d) Changes in Internal Controls Over Financial Reporting </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">There have been no changes in the Company&#146;s internal control over financial reporting identified in the Assessment that occurred during the last fiscal quarter to which this Annual Report on Form 10-K relates that have materially affected, or are reasonably likely to materially affect, the Company&#146;s internal control over financial reporting. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#tOI"></a>Item 9B. Other Information </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">None. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">69</P>

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<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">PART III </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#tDCG"></a>Item 10. Directors and Corporate Governance </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation responds to this item by incorporating herein by reference the material responsive to such item in the Corporation&#146;s definitive proxy statement for its 2012 Annual Meeting of Stockholders. Certain information on Executive Officers of the registrant is included in Part I, Item 3A of this report, which is also incorporated herein by reference. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation maintains a code of ethics applicable to the Corporation&#146;s chief executive officer, senior financial professional personnel (including the Corporation&#146;s chief financial officer, principal accounting officer or controller and persons performing similar transactions), all other executive officers and all directors. The Corporation also maintains a code of conduct applicable to all other employees. Copies of both codes were filed as exhibits to the Corporation&#146;s Annual Report on Form 10-K for the year ended December 31, 2003. The Corporation will provide copies of such codes to any person without charge, upon request to
Anthony C. Weagley, President and Chief Executive Officer, Center Bancorp, Inc., 2455 Morris Avenue, Union, NJ 07083. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#tEC"></a>Item 11. Executive Compensation </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation responds to this item by incorporating herein by reference the material responsive to such item in the Corporation&#146;s definitive proxy statement for its 2012 Annual Meeting of Stockholders. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#tSOCBOM"></a>Item 12. Security Ownership of Certain Beneficial Owners and Management </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation responds to this item by incorporating herein by reference the material responsive to such item in the Corporation&#146;s definitive proxy statement for its 2012 Annual Meeting of Stockholders. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Stock Compensation Plan Information </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">For information related to stock based compensation, see Note 16 of the Notes to Consolidated Financial Statements. The following table gives information about the Corporation&#146;s common stock that may be issued upon the exercise of options, warrants and rights under the Corporation&#146;s 2009 Equity Incentive Plan, 1999 Incentive Plan, 1993 Employee Stock Option Plan, 1993 Outside Director Stock Option Plan and 2003 Non-Employee Director Stock Option Plan as of December 31, 2011. These plans were the Corporation&#146;s only equity compensation plans in existence as of December 31, 2011. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="240"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="104"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="104"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="112"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>Plan Category</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Number of Securities<BR> to Be Issued Upon<BR> Exercise of<BR> Outstanding Options,<BR> Warrants and Rights<BR> (a)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Weighted-Average<BR> Exercise Price of<BR> Outstanding Options,<BR> Warrants and Rights<BR> (b)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Number of Securities<BR> Remaining Available<BR> for Future Issuance<BR> Under Equity<BR> Compensation Plans<BR> (Excluding Securities<BR> Reflected in<BR> Column (a))<BR> (c)</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Equity Compensation Plans Approved by Shareholders</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>171,378</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7.67&nbsp;&#150;&nbsp;$15.73</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>825,420</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Equity Compensation Plans Not Approved by Shareholders</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>171,378</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>7.67&nbsp;&#150;&nbsp;$15.73</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>825,420</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#tCRRT"></a>Item 13. Certain Relationships and Related Transactions </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation responds to this item by incorporating herein by reference the material responsive to such item in the Corporation&#146;s definitive proxy statement for its 2012 Annual Meeting of Stockholders. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#tPAFS"></a>Item 14. Principal Accountant Fees and Services </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Corporation responds to this item by incorporating herein by reference the material responsive to such item in the Corporation&#146;s definitive proxy statement for its 2012 Annual Meeting of Stockholders. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">70</P>

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<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">PART IV </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#tEFSS"></a>Item 15. Exhibits, Financial Statement Schedules </H2>

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          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">(a)</TD>

          <TD STYLE="text-align: left">(1)&nbsp;&nbsp;Financial Statements and Schedules: </TD>

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<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following Financial Statements and Supplementary Data are filed as part of this annual report: </P>

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          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="482"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

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<TR STYLE="background-color: white"><TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#ftRIRPAF">Report of Independent Registered Public Accounting Firm</a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#ftRIRPAF">F-2</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC"><TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#ftCSC">Consolidated Statements of Condition</a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#ftCSC">F-3</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#ftCSI">Consolidated Statements of Income</a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#ftCSI">F-4</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC"><TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#ftCSCSE">Consolidated Statements of Changes in Stockholders&#146; Equity</a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#ftCSCSE">F-5</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#ftCSCF">Consolidated Statements of Cash Flows</a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#ftCSCF">F-6</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC"><TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#ftNCFS">Notes to Consolidated Financial Statements</a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#ftNCFS">F-8</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

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          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">(b)</TD>

          <TD STYLE="text-align: left">Exhibits (numbered in accordance with Item 601 of Regulation S-K) filed herewith or incorporated by reference as part of this annual report. </TD>

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          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

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          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>Exhibit<BR> No.</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>Description</TD>

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          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>2.1&nbsp;</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Bank Purchase and Assumption Agreement, dated February 1, 2012, by and among the Registrant, Saddle River Valley Bancorp and Saddle River Valley Bank is incorporated by reference to Exhibit 2.1 to the Registrant&#146;s Current Report on Form 8-K dated February 2, 2012.</TD>

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<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>3.1&nbsp;</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">The Registrant&#146;s Certificate of Incorporation.</TD>

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          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>3.2&nbsp;</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">By-Laws of the Registrant is incorporated by reference to Exhibit 3.2 to the Registrant&#146;s Annual Report on Form 10-K for the year ended December 31, 1998.</TD>

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<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>10.1&nbsp;&nbsp;</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Small Business Lending Fund&nbsp;&#151;&nbsp;Securities Purchase Agreement&nbsp;&#151;&nbsp;Standard Terms attached thereto dated September 15, 2011, between the Registrant and the United States Department of the Treasury is incorporated by reference to Exhibit 10.1 to the Registrant&#146;s Current Report on Form 8-K dated September 21, 2011.</TD>

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<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>10.2*&nbsp;</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">The Registrant&#146;s 1993 Employee Stock Option Plan is incorporated by reference to Exhibit 10.3 to the Registrant&#146;s Annual Report on Form 10-K for the year ended December 31, 1993.</TD>

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<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>10.3*&nbsp;</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">The Registrant&#146;s 1993 Outside Director Stock Option Plan is incorporated by reference to Exhibit 10.4 to the Registrant&#146;s Annual Report on Form 10-K for the year ended December 31, 1993.</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>10.5*&nbsp;</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">The Registrant&#146;s Annual Incentive Plan is incorporated by reference to Exhibit 10.6 to the Registrant&#146;s Annual Report on Form 10-K for the year ended December 31, 2006.</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>10.6*&nbsp;</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Amended and restated employment agreement among the Registrant, its bank subsidiary and Anthony C. Weagley, effective as of January 1, 2008 is incorporated by reference to Exhibit 10.1 to the Registrant&#146;s Current Report on Form 8-K filed with the SEC on April 22, 2008.</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>10.7&nbsp;&nbsp;</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Non-Competition Agreement, dated as of December 2, 2010, between the Registrant, and Anthony C. Weagley is incorporated by reference to Exhibit 10.1 to the Registrant&#146;s Current Report on Form 8-K dated December 6, 2010.</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>10.8&nbsp;&nbsp;</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Non-Competition Agreement, dated as of December 2, 2010, between the Registrant, and James W. Sorge is incorporated by reference to Exhibit 10.2 to the Registrant&#146;s Current Report on Form 8-K dated December 6, 2010.</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>10.9*&nbsp;</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Center Bancorp, Inc. 2009 Equity Incentive Plan is incorporated by reference to Exhibit 10.1 to the Registrant&#146;s Current Report on Form 8-K dated June 1, 2009.</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>10.10*</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Center Bancorp, Inc. 1999 Stock Incentive Plan is incorporated by reference to Exhibit 10.11 to the Registrant&#146;s Annual Report on Form 10-K for the year ended December 31, 1999. </TD>

</TR>

</TABLE></DIV>

</DIV>

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<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

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          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="536"></TD>

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          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>Exhibit<BR> No.</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>Description</TD>

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<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>10.11&nbsp;</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Registrant&#146;s Placement Agreement dated December 12, 2003 with Sandler O&#146;Neill &amp; Partners, L.P. to issue and sell $5 million aggregate liquidation amount of floating rate MMCapS(SM) Securities is incorporated by reference to Exhibit 10.15 of the Registrant&#146;s Annual Report on Form 10-K for the year ended December 31, 2003.</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>10.12&nbsp;</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Indenture dated as of December 19, 2003, between the Registrant and Wilmington Trust Company relating to $5.0 million aggregate principal amount of floating rate debentures is incorporated by reference to Exhibit 10.16 of the Registrant&#146;s Annual Report on Form 10-K for the year ended December 31, 2003.</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>10.13&nbsp;</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Amended and restated Declaration of Trust of Center Bancorp Statutory Trust II, dated as of December 19, 2003 is incorporated by reference to Exhibit 10.17 of the Registrant&#146;s Annual Report on Form 10-K for the year ended December 31, 2003.</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>10.14&nbsp;</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Guarantee Agreement between Registrant and Wilmington Trust Company dated as of December 19, 2003 is incorporated by reference to Exhibit 10.18 of the Registrant&#146;s Annual Report on Form 10-K for the year ended December 31, 2003.</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>10.15&nbsp;</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Registration Rights Agreement, dated September 29, 2004, relating to securities issued in a September 2004 private placement of securities, is incorporated by reference to Exhibit 10.2 to the Registrant&#146;s Current Report on Form 8-K dated October 1, 2004.</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>10.16*</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">The Registrant&#146;s Amended and Restated 2003 Non-Employee Director Stock Option Plan, as amended and restated, is incorporated by reference to Exhibit 10.1 to the Registrant&#146;s Current Report on Form 8-K dated March 5, 2008.</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>10.17*</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Amended and restated Employment Agreement among the Registrant, its bank subsidiary and Mark S. Cardone, effective as of January 1, 2007, is incorporated by reference to Exhibit 10.4 to the Registrant&#146;s Current Report on Form 10-K filed with the SEC on February 26, 2007. See also Exhibit 10.22.</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>10.18&nbsp;</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Registration Rights Agreement, dated June 30, 2005, relating to securities issued in a June 2005 private placement of securities is incorporated by reference to Exhibit 10.2 to the Registrant&#146;s Current Report on Form 8-K dated June 30, 2005.</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>10.19*</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Open Market Share Purchase Incentive Plan is incorporated by reference to exhibit 10.1 to the Registrant&#146;s Current Report on Form 8-K dated January 26, 2006.</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>10.20*</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Amendment to Employment Agreement among the Registrant, its bank subsidiary and Mark Cardone, dated December 3, 2007, is incorporated by reference to Exhibit 10.2 to the Registrant&#146;s Current Report on Form 10-K dated December 20, 2007.</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>10.23&nbsp;</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Repurchase Agreement, dated September 15, 2011, between the Registrant and the United States Department of the Treasury, with respect to the repurchase of Preferred Stock issued pursuant to TARP is incorporated by reference to Exhibit 10.2 to the Registrant&#146;s Current Report on Form 8-K dated September 21, 2011.</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>10.24&nbsp;</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Warrant Letter Agreement, dated December 7, 2011, providing for the repurchase of the warrants issued pursuant to TARP is incorporated by reference to Exhibit 10.1 to the Registrant&#146;s Current Report on Form 8-K dated December 12, 2011.</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>11.1&nbsp;&nbsp;</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Statement regarding computation of per share earnings is omitted because the computation can be clearly determined from the material incorporated by reference in this Report.</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>12.1&nbsp;&nbsp;</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Statement of Ratios of Earnings to Fixed Charges.</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>14.1&nbsp;&nbsp;</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Code of Ethics is incorporated by reference to Exhibit 14.1 of the Registrant&#146;s Annual Report on Form 10-K for the year ended December 31, 2003.</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>21.1&nbsp;&nbsp;</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Subsidiaries of the Registrant.</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>23.1&nbsp;&nbsp;</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Consent of Independent Registered Public Accounting Firm.</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>24.1&nbsp;&nbsp;</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Power of attorney </TD>

</TR>

</TABLE></DIV>

</DIV>

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<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-top; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

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          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="536"></TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>Exhibit<BR> No.</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>Description</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>31.1&nbsp;&nbsp;</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Personal certification of the chief executive officer pursuant to section 302 of the Sarbanes-Oxley Act of 2002.</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>31.2&nbsp;&nbsp;</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Personal certification of the chief financial officer pursuant to section 302 of the Sarbanes-Oxley Act of 2002.</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>32.1**</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Personal certification of the chief executive officer pursuant to section 906 of the Sarbanes-Oxley Act of 2002.</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>32.2**</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Personal certification of the chief financial officer pursuant to section 906 of the Sarbanes-Oxley Act of 2002.</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>99.1&nbsp;&nbsp;</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Certification of Chief Executive Officer pursuant to Section 111 (b) (4) of the Emergency Economic Stabilization Act of 2008.</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>99.2&nbsp;&nbsp;</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Certification of Chief Financial Officer pursuant to Section 111 (b) (4) of the Emergency Economic Stabilization Act of 2008.</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>99.3&nbsp;&nbsp;</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Code of Conduct is incorporated by reference to Exhibit 99.1 to the Registrant&#146;s Annual Report on Form 10-K for the year ended December 31, 2003.</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>101***</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">INS XBRL instance document</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>101***</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">SCH XBRL Taxonomy Extension Schema Document</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>101***</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">CAL XBRL Taxonomy Extension Calculation Linkbase Document</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>101***</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">DEF XBRL Taxonomy Extension Definition Linkbase Document</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>101***</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">LAB XBRL Taxonomy Extension Label Linkbase Document</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>101***</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">PRE XBRL Taxonomy Extension Presentation Linkbase Document</TD>

</TR>

</TABLE></DIV>

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          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">(c)</TD>

          <TD STYLE="text-align: left">Financial Statement Schedules</TD>

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</TABLE>


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          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">*</TD>

          <TD STYLE="text-align: left">Management contract on compensatory plan or arrangement. </TD>

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          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">**</TD>

          <TD STYLE="text-align: left">Furnished herewith. </TD>

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          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">***</TD>

          <TD STYLE="text-align: left">In accordance with Rule 406T of Regulation S-T, the XBRL information in Exhibit 101 to this Annual Report shall not be deemed &#147;filed&#148; for purposed of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject liability under that Section. </TD>

</TR>

</TABLE>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">All financial statement schedules are omitted because they are either inapplicable or not required, or because the required information is included in the Consolidated Financial Statements or notes thereto. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">73</P>

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<P STYLE="text-align: left; font-family: serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="#tSIG"></a>SIGNATURES </H1>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, Center Bancorp, Inc. has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

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          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="296"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

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<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left"><B>CENTER BANCORP, INC.</B></TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt" ROWSPAN=1 COLSPAN=1>March 13, 2012</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left"><P STYLE="padding-left: 20pt; text-indent: -20pt; margin-bottom: -12pt">By:</P><P STYLE="margin-top: 0pt; padding-left: 20pt">/s/ Anthony C. Weagley<BR> <IMG SRC="line.gif" STYLE="width: 100%; height: 1pt">Anthony C. Weagley<BR> President and Chief Executive Officer</P></TD></TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Pursuant to the requirements of the Securities Exchange Act of 1934, the following persons on behalf of the Registrant, in the capacities described below on March 13, 2012, have signed this report below. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

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          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

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          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>/s/ Alexander A. Bol*<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt">Alexander A. Bol</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Chairman of the Board</TD>

</TR>

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          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>/s/ James J. Kennedy*<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt">James J. Kennedy</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Director</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>/s/ Howard Kent*<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt">Howard Kent</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Director</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>/s/ Nicolas Minoia*<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt">Nicholas Minoia</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Director</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>/s/ Harold Schechter*<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt">Harold Schechter</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Director</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>/s/ Lawrence B. Seidman*<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt">Lawrence B. Seidman</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Director</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>/s/ Alan H Straus*<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt">Alan H Straus</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Director</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>/s/ William A. Thompson*<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt">William A. Thompson</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Director</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>/s/ Raymond Vanaria*<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt">Raymond Vanaria</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Director</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>/s/ Anthony C. Weagley<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt">Anthony C. Weagley</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">President and Chief Executive Officer</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>/s/ Vincent N. Tozzi*<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt">Vincent N. Tozzi</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Vice President, Treasurer and Chief Financial Officer</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1><P STYLE="padding-left: 25pt; text-indent: -25pt; margin-bottom: -12pt">*By:</P><P STYLE="margin-top: 0pt; padding-left: 25pt">/s/ Anthony C. Weagley<BR> <IMG SRC="line.gif" STYLE="width: 100%; height: 1pt">Anthony C. Weagley<BR> Attorney-in-fact</P></TD>          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">&nbsp;&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

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<DOCUMENT>
<TYPE>EX-3.1
<SEQUENCE>2
<FILENAME>v304291_ex3-1.htm
<DESCRIPTION>EXHIBIT 3.1
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">CERTIFICATE OF INCORPORATION</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">OF</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">CENTER BANCORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-weight: normal">This is to
certify that, there is hereby organized a corporation under and by virtue of N.J.S. 14:1-1 et seq., the New Jersey &quot;Business
Corporation Act.&quot;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-weight: normal"><U>First:</U>&nbsp;&nbsp;<U>Corporate
Name.</U> The name of the Corporation is Center Bancorp. </FONT>Inc.</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0in; text-decoration: none"><FONT STYLE="font-size: 10pt; font-weight: normal"><U>Secon<FONT STYLE="font-style: normal">d:</FONT></U></FONT>&nbsp;&nbsp;<U>Registered
Office.</U> The address of this corporation's initial registered office is 2003 Morris Avenue, Union, New Jersey 07083, and the
name of the corporation's initial registered agent at such address is John J. Davis.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0in; text-decoration: none">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0in; text-decoration: none"><U>Third:</U>&nbsp;&nbsp;<U>Corporate Purposes</U>.
The purpose or purposes for which the corporation is organized are:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 29.9pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 29.9pt"><FONT STYLE="font-weight: normal">(a)&nbsp;&nbsp;&nbsp;To
act as a bank holding company, with all of the rights, powers and privileges, and subject to all of the limitations, specified
in any applicable state or federal legislation from time to time in effect;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 29.9pt"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 29.9pt"><FONT STYLE="font-weight: normal">(b)&nbsp;&nbsp;&nbsp;To
engage in any other activities within the purposes for which corporations may be organized under the New Jersey Business Corporation
Act.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-weight: normal"><U>Fourth:</U> <U>Capitalization.</U>
The total authorized capital stock of the Corporation shall consist of 1,000,000 shares of common stock, par value $5.00
per share. Shares of the authorized capital stock may be issued from time to time for such consideration (not less than the
par value thereof) as may be fixed from time to time by the Board of Directors.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-weight: normal"><U>Fifth:</U>&nbsp;&nbsp;<U>Initial
Directors.</U> The number of directors constituting the initial Board of Directors of the corporation shall be three; and the
names, and addresses of the directors are:</FONT></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top; text-decoration: none">
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 35%; padding-right: 0; padding-left: 0.48in; text-autospace: none; font-weight: normal; text-align: left; font-style: normal; text-decoration: none; border-bottom: Black 1pt solid">Name</TD>
    <TD STYLE="width: 10%; text-decoration: none; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="width: 50%; padding-top: 0; padding-right: 0; border-bottom: Black 1pt solid; padding-left: 0.36in; text-autospace: none; font-weight: normal; font-style: normal; text-decoration: none; text-indent: 0">Address</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 2pt; padding-left: 2pt; text-autospace: none; font-weight: normal; text-align: left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0 0 0 0.12in; text-autospace: none; font-weight: normal; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-left: 0; text-autospace: none; font-weight: normal; text-align: left">Jack McDonnell</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0; font-weight: normal; text-indent: 0">1070 Wychwood Rd., Westfield, N. J. 07090</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 2pt; padding-left: 2pt; text-autospace: none; font-weight: normal; text-align: left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0; text-autospace: none; font-weight: normal; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-left: 0; text-autospace: none; font-weight: normal; text-align: left">John J. Davis</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0; font-weight: normal; text-indent: 0">6 Knollwood Dr., Morristown, N. J. 07960</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 2pt; padding-left: 2pt; text-autospace: none; font-weight: normal; text-align: left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0; text-autospace: none; font-weight: normal; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-left: 0; text-autospace: none; font-weight: normal; text-align: left">Donald G.
    Kein</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0; font-weight: normal; text-indent: 0">103 Huron Dr., Chatham Township, N. J. 07928</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-weight: normal"><U>Sixth:</U>&nbsp;&nbsp;<U>Incorporation.
</U>The name and address of each incorporator is:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top; text-decoration: none">
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 35%; padding-right: 0; padding-left: 0.48in; text-autospace: none; font-weight: normal; text-align: left; font-style: normal; text-decoration: none; border-bottom: Black 1pt solid">Name</TD>
    <TD STYLE="width: 10%; text-decoration: none; padding-bottom: 1pt"><U></U></TD>
    <TD STYLE="width: 50%; padding-top: 0; padding-right: 0; border-bottom: Black 1pt solid; padding-left: 0.36in; text-autospace: none; font-weight: normal; font-style: normal; text-decoration: none">Address</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 2pt; padding-left: 2pt; text-autospace: none; font-weight: normal; text-align: left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0; text-autospace: none; font-weight: normal">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-left: 0; text-autospace: none; font-weight: normal; text-align: left">Jack McDonnell</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0; font-weight: normal">1070 Wychwood Rd., Westfield, N. J. 07090</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 2pt; padding-left: 2.16in; text-autospace: none; font-weight: normal; text-align: left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0; text-autospace: none; font-weight: normal">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-left: 0; text-autospace: none; font-weight: normal; text-align: left">John J. Davis</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0; font-weight: normal">6 Knollwood Dr., Morristown, N. J. 07960</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 2pt; padding-left: 2pt; text-autospace: none; font-weight: normal; text-align: left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0; text-autospace: none; font-weight: normal">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-left: 0; text-autospace: none; font-weight: normal; text-align: left">Donald G.
    Kein</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0; font-weight: normal">103 Huron Dr., Chatham Township, N. J. 07928</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-weight: normal"><U>Seventh:</U>&nbsp;&nbsp;<U>No
Cumulative Voting Rights.</U> Cumulative voting for the election of directors shall not be permitted.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-weight: normal"><U>Eight:</U>&nbsp;&nbsp;<U>Indebtedness</U>.
The corporation shall have authority to borrow money and the Board of Directors, without the approval of the shareholders and
acting within their sole discretion, shall have the authority to issue debt instruments of the corporation upon such terms and
conditions and with such limitation as the Board of Directors deems advisable. The authority of the Board of Directors shall include,
but not be limited to, the power to issue convertible debentures.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-weight: normal">Ninth:&nbsp;&nbsp;The Board of Directors
may, if it deems advisable, oppose a tender, or other offer for the corporation's securities, whether the offer is in cash or
in securities of a corporation or otherwise. When considering whether to oppose an offer, the Board of Directors may, but it is
not legally obligated to, consider any and all of the following:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 29.9pt"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 29.9pt"><FONT STYLE="font-weight: normal">(1)&nbsp;&nbsp;&nbsp;Whether
the offer price is acceptable based on the historical and present operating results or financial conditions of the corporation.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 29.9pt"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 29.9pt"><FONT STYLE="font-weight: normal">(2)&nbsp;&nbsp;&nbsp;Whether
a more favorable price could be obtained for the corporation's securities in the future.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 29.9pt"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 29.9pt"><FONT STYLE="font-weight: normal">(3)&nbsp;&nbsp;&nbsp;The
impact which an acquisition of the corporation would have on its employees, depositors and customers of the corporation and its
subsidiaries in the community which they serve.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 29.9pt"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 29.9pt"><FONT STYLE="font-weight: normal">(4)&nbsp;&nbsp;&nbsp;The
reputation and business practices of the offeror and its management and affiliates as they would affect the employees, depositors
and customers of the corporation and its subsidiaries and the future value of the corporation's stock.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 29.9pt"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 29.9pt"><FONT STYLE="font-weight: normal">(5)&nbsp;&nbsp;&nbsp;The
value of the securities, if any, which the offeror is offering in exchange for the corporation's securities, based on an analysis
of the worth of the corporation as compared to the corporation or other entity whose securities are being offered.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 29.5pt"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 29.5pt"><FONT STYLE="font-weight: normal">(6)&nbsp;&nbsp;&nbsp;Any
antitrust or other legal and regulatory issues that are raised-by the offer.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-weight: normal">If the Board of Directors determines
that an offer should be rejected, it may take any lawful action to accomplish its purpose including, but not limited to, any and
all of the following: advising shareholders not to accept the offer; litigation against the offeror; filing complaints with all
governmental and regulatory authorities; acquiring the corporation's securities; selling or otherwise issuing authorized but unissued
securities or treasury stock or granting options with respect thereto; acquiring a company to create an antitrust or other regulatory
problem for the offeror; and obtaining a more favorable offer from another individual or entity.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-weight: normal"><U>Tenth:</U>&nbsp;&nbsp;<U>Preemptive Rights</U>.
No holder of common stock of the corporation, as such, shall be entitled, as a matter of right, to subscribe for or purchase any
part of any new or additional issue of stock of any class whatsoever, any rights or options to purchase stock of any class whatsoever,
or any securities covertible into, exchangeable for or carrying rights or options to purchase stock of any class whatsoever, whether
now or hereafter authorized, and whether issued for cash or other consideration, or by way of dividend.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-weight: normal"><U>Eleventh:</U>&nbsp;&nbsp;<U>Number of
Directors</U>. The By-Laws shall specify the number of directors other than the number constituting the First Board. Any vacancy
in the Board, including a vacancy created by an increase in the number of directors, may be filled by the affirmative vote of
a majority of the remaining directors, even though less than a quorum of the Board, or by a sole remaining director.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-weight: normal"><U>Twelfth:</U>&nbsp;&nbsp;<U>Classification
of Directors.</U> The Board of Directors of the corporation shall be divided into three classes, the respective terms of office
of which shall end in successive years. The number of directors in each class shall be specified in the By-Laws and shall be as
nearly equal as possible. Unless they are elected to fill vacancies, the directors in each class shall be elected to hold office
until the third successive annual meeting of shareholders after their election and until their successors shall have been elected
and qualified. At each annual meeting of shareholders the directors of only one class shall be elected, except directors who may
be elected to fill vacancies.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-weight: normal"><U>Thirteenth:</U>&nbsp;&nbsp;<U>Indemn<FONT STYLE="font-style: normal">ifi</FONT></U></FONT><U>cation.
</U>Every person who is or was a director, officer, employee, or agent of the corporation, or of any corporation which he served
as such at the request of the corporation, shall be indemnified by the corporation to the fullest extent permitted by law against
all expenses and liabilities reasonably incurred by or imposed upon him, in connection with any proceeding to which he may be
made, or threatened to be made, a party, or in which he may become involved by reason of his being or having been a director,
officer, employee or agent of the corporation, or of such other corporation, whether or not he is a director, officer, employee
or agent of the corporation or such other corporation at the time the expenses or liabilities are incurred.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-weight: normal"><U>Fourteenth:</U>&nbsp;&nbsp;No merger,
consolidation, liquidation or dissolution of the Corporation nor any action that would result in the sale or other disposition
of all or substantially all of the assets of the Corporation shall be valid unless first approved by the affirmative vote of the
holders of at least sixty six and 2/3 percent (66-2/3%) of the outstanding shares of Common Stock. This Article 14 may not be
amended unless first approved by the affirmative vote of the holders of at least sixty-six and 2/3 percent (66-2/3%) of the outstanding
shares of Common Stock.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-weight: normal">IN WITNESS
WHEREOF, we, the incorporators of the above-named corporation hereunto signed this Certificate of Incorporation on the ninth day
of November 1982</FONT>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 70%; text-autospace: none">&nbsp;</TD>
    <TD STYLE="width: 30%; border-bottom: windowtext 1pt solid; text-autospace: none"><img src="sig1.jpg"></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in; text-autospace: none; font-weight: normal">&nbsp;</TD>
    <TD STYLE="padding-left: 0.5in; text-autospace: none; font-weight: normal">Incorporator</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in; text-autospace: none">&nbsp;</TD>
    <TD STYLE="padding-left: 0.5in; text-autospace: none">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in; text-autospace: none">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; padding-left: 0; text-autospace: none"><img src="sig2.jpg"></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in; text-autospace: none; font-weight: normal">&nbsp;</TD>
    <TD STYLE="padding-left: 0.5in; text-autospace: none; font-weight: normal">Incorporator</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in; text-autospace: none; font-weight: normal">&nbsp;</TD>
    <TD STYLE="padding-left: 0.5in; text-autospace: none; font-weight: normal">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in; text-autospace: none; font-weight: normal">&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid; padding-left: 0; text-autospace: none; font-weight: normal"><img src="sig3.jpg"></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.5in; text-autospace: none; font-weight: normal">&nbsp;</TD>
    <TD STYLE="padding-left: 0.5in; text-autospace: none; font-weight: normal">Incorporator</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B>&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>CERTIFICATE OF INCORPORATION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>OF</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>CENTER BANCORP</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center; text-autospace: none">&nbsp;</TD>
    <TD STYLE="text-align: center; text-autospace: none">0100181324</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center; text-autospace: none">&nbsp;</TD>
    <TD STYLE="text-align: center; text-autospace: none">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 70%; text-align: center; text-autospace: none">&nbsp;</TD>
    <TD STYLE="width: 30%; text-align: center; text-autospace: none">FILED</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center; text-autospace: none">&nbsp;</TD>
    <TD STYLE="text-align: center; text-autospace: none">NOV 12 1982</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center; text-autospace: none">&nbsp;</TD>
    <TD STYLE="text-align: center; text-autospace: none">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center; text-autospace: none">&nbsp;</TD>
    <TD STYLE="text-align: center; text-autospace: none; font-weight: normal">JANE BURGIO</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center; text-autospace: none">&nbsp;</TD>
    <TD STYLE="text-align: center; text-autospace: none; font-weight: normal">Secretary of State</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 70%; text-align: center; text-autospace: none"><B>&nbsp;</B></TD>
    <TD STYLE="width: 30%; text-align: center; text-autospace: none">C T CORPORATION SYSTEM</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center; text-autospace: none">&nbsp;</TD>
    <TD STYLE="text-align: center; text-autospace: none">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center; text-autospace: none"><B>&nbsp;</B></TD>
    <TD STYLE="text-align: center">28 W. STATE STREET</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center; text-autospace: none">&nbsp;</TD>
    <TD STYLE="text-align: center; text-autospace: none">TRENTON, N. J. 08608</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><I>STATE OF NEW JERSEY</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><I>DEPARTMENT OF THE TREASURY</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><I>FILING CERTIFICATION (CERTIFIED COPY)</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>CENTER BANCORP, INC.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>0100181324</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 13.7pt; text-indent: 19.8pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 13.7pt; text-indent: 19.8pt"><I>I, the Treasurer of the State
of New Jersey, do hereby certify, that the above named business did file and record in this department a Certificate of Incorporation
on November 12th, 1982 and that the attached is a true copy of this document as the same is taken from and compared with the original(s)
filed in this office and now remaining on file and of record.</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><I>&nbsp;</I></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; text-autospace: none; font-style: normal; text-align: center; vertical-align: bottom"><img src="seal.jpg"></TD>
    <TD STYLE="width: 50%; text-align: left; vertical-align: bottom"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><I>IN TESTIMONY WHEREOF, I have hereunto set my hand and
                                                                  affixed my Official Seal at Trenton, this 31st day of August, 2011</I></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none; font-style: normal">&nbsp;</TD>
    <TD STYLE="text-autospace: none">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none; font-style: normal">&nbsp;</TD>
    <TD STYLE="text-autospace: none"><I>/s/ Andrew P Sidamon-Eristoff</I></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none; font-style: normal"><I>&nbsp;</I></TD>
    <TD STYLE="text-autospace: none"><I>Andrew P Sidamon-Eristoff</I></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none; text-align: center"><I>Certificate Number: &nbsp;&nbsp;121440082</I></TD>
    <TD STYLE="text-autospace: none"><I>State Treasurer</I></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none; text-align: center"><I>&nbsp;</I></TD>
    <TD STYLE="text-autospace: none"><I>&nbsp;</I></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none; text-align: center"><I>Verify this certificate online at</I></TD>
    <TD STYLE="text-autospace: none; font-style: normal"><I>&nbsp;</I></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none; text-align: center"><I>&nbsp;</I></TD>
    <TD STYLE="text-autospace: none; font-style: normal"><I>&nbsp;</I></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none; text-align: center"><I>https://www1.state.nj.us/TYTR_StandingCert/JSP/Verify_Cert.jsp</I></TD>
    <TD STYLE="text-autospace: none; font-style: normal">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: center"><B>&nbsp;</B></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: center"><B>&nbsp;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; text-autospace: none; font-weight: normal">Form C-102a</TD>
    <TD STYLE="text-align: center; text-autospace: none; font-weight: normal">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; text-autospace: none; font-weight: normal">Rev. 701071</TD>
    <TD STYLE="text-align: center; text-autospace: none; font-weight: normal">0432478</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center; text-autospace: none; font-weight: normal">&nbsp;</TD>
    <TD STYLE="text-align: center; text-autospace: none; font-weight: normal">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 70%; text-align: center; text-autospace: none; font-weight: normal">&nbsp;</TD>
    <TD STYLE="width: 30%; text-align: center; text-autospace: none; font-weight: normal">FILED</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center; text-autospace: none; font-weight: normal">&nbsp;</TD>
    <TD STYLE="text-align: center; text-autospace: none; font-weight: normal">MAR 17 1988</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center; text-autospace: none; font-weight: normal">&nbsp;</TD>
    <TD STYLE="text-align: center; text-autospace: none; font-weight: normal">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center; text-autospace: none; font-weight: normal">&nbsp;</TD>
    <TD STYLE="text-align: center; text-autospace: none; font-weight: normal">JANE BURGIO</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center; text-autospace: none; font-weight: normal">&nbsp;</TD>
    <TD STYLE="text-align: center; text-autospace: none; font-weight: normal">Secretary of State</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: center"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>CERTIFICATE OF AMENDMENT TO THE</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>CERTIFICATE OF INCORPORATION OF</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>CENTER BANCORP. INC.</B></P>

<!-- Field: Rule-Page --><DIV STYLE="text-align: center; margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 35%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>(For Use by Domestic Corporations Only)</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 5%; text-align: left; text-autospace: none; font-weight: normal">To:</TD>
    <TD STYLE="width: 95%; text-align: left; text-autospace: none; font-weight: normal">The Secretary of State</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; text-autospace: none; font-weight: normal">&nbsp;</TD>
    <TD STYLE="text-align: left; text-autospace: none; font-weight: normal">State of New Jersey</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 24.85pt"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 24.85pt"><FONT STYLE="font-weight: normal">Pursuant
to the provisions of Section 14A:9-2(4) and Section 14A:9-4(3), Corporations, General, of the New Jersey Statutes, the undersigned
corporation executes the following Certificate of Amendment to its Certificate of Incorporation:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 26.3pt"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 26.3pt"><FONT STYLE="font-weight: normal">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
name of the corporation is <U>Center Bancorp Inc., a New Jersey Corporation.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 25.55pt"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 25.55pt"><FONT STYLE="font-weight: normal">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
following</FONT> amendment to the Certificate of Incorporation was approved by the directors and thereafter duly adopted by the
share-holders of the corporation on the 15th day of March, 1988.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.35in"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.35in"><FONT STYLE="font-weight: normal">Resolved,
that the Article Fourth of the Certificate of Incorporation be amended to read as follows:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.35in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.35in; text-indent: 0">Fourth: <U>Capitalization</U>.
The total authorized capital stock of the Corporation shall consist of 10,000,000 shares of common stock, no par value per share.
Shares of the authorized capital stock may be issued from time to time for such consideration as may be fixed from time to time
by the Board of Directors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 25.55pt"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 25.55pt"><FONT STYLE="font-weight: normal">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
number of shares outstanding at the time of the adoption of the amendment was 348,158. The total number of shares entitled to
vote thereon was 348,158.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-weight: normal"><I>&nbsp;</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-weight: normal; font-style: normal">If
</FONT>the shares of any class or series are entitled to vote thereon as a class, set forth below the designation and number of
outstanding shares entitled to vote thereon of each such class or series. (Omit if not Applicable.)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.35in"><FONT STYLE="font-weight: normal; font-style: normal">4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>The
number of shares voting for and against such amendment is as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 27.7pt"><FONT STYLE="font-weight: normal">(If the
shares of any class or series are entitled to vote as a class, set forth the number of shares of each such class and series voting
for and against the amendment, respectively.)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 33%; text-autospace: none; font-weight: normal">Number of shares</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 33%; text-autospace: none; font-weight: normal">Number of shares</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 32%; text-autospace: none; font-weight: normal">Number of shares</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none; font-weight: normal; border-bottom: Black 1pt solid">Voting For Amendment</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-autospace: none; font-weight: normal; border-bottom: Black 1pt solid">Voting Against Amendment</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-autospace: none; font-weight: normal; border-bottom: Black 1pt solid">Abstaining</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none; font-weight: normal">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-autospace: none; font-weight: normal">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-autospace: none; font-weight: normal">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="padding-left: 22.7pt; text-autospace: none; font-weight: normal; text-align: right">267,697</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 35.3pt; text-autospace: none; font-weight: normal; text-align: right">19,300</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding-left: 21.25pt; text-autospace: none; font-weight: normal; text-align: right">4,876</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 26.65pt"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 26.65pt"><FONT STYLE="font-weight: normal">5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
following amendment to the Certificate of Incorporation was approved by the directors and thereafter duly adopted by the
share-holders of the corporation on the 15th day of March, 1988.&#9;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 25.9pt"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 25.9pt"><FONT STYLE="font-weight: normal">Resolved,
that the Certificate of Incorporation be amended to add Articles Fifteenth and Sixteenth and shall read as follows:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; text-align: left; margin-bottom: 0"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.35in; text-indent: 0in"><FONT STYLE="font-weight: normal">Fifteenth:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;So
long as permitted by law, no director of the corporation shall be personally liable to the corporation or its shareholders for
damages for breach of any duty owed by such person to the corporation or its shareholders; provided, however, that this paragraph
fifteen shall not relieve any person from liability to the extent provided by applicable law for any breach of duty based upon
an act or omission (a) in breach of such person's duty of loyalty to the corporation or its shareholders, (b) not in good faith
or involving a knowing violation of law or (c) resulting in receipt by such person of any improper personal benefit. No amendment
to or repeal of this paragraph fifteen and no amendment, repeal or termination </FONT>of<I> </I>effectiveness of any law authorizing
this paragraph fifteen shall apply to or have any effect on the liability or alleged liability of any director or with respect
to<I> </I>any acts or omissions of such director occurring prior to such amendment, repeal or termination of effectiveness.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.35in; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.35in; text-indent: 0in; text-align: right">0100181324</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.35in; text-indent: 0in; text-align: right">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.35in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.35in"><FONT STYLE="font-weight: normal">Sixteenth:
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;So long as permitted by law, no officer of the corporation shall be personally liable to the
corporation or its shareholders for damages for breach of any duty owed by such person to the corporation or its
shareholders; provided, however, that this paragraph sixteen shall not relieve any person from liability to the extent
provided by applicable law for any breach of duty based upon an act or omission (a) in breach of such person's duty of
loyalty to the corporation or its shareholders, (b) not in good faith or involving a knowing violation of law or (c)
resulting in receipt by such person of </FONT>an improper personal benefit. No amendment to or repeal of this paragraph
sixteen and no amendment, repeal or termination of effectiveness of any law authorizing this paragraph sixteen shall apply to
or have any effect on the liability or alleged liability of any officer for or: with respect to any acts or omissions of such
officer occurring prior to such amendment, repeal or termination of effectiveness.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 26.3pt"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 26.3pt"><FONT STYLE="font-weight: normal">6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
number of shares outstanding at the time of the adoption of the amendment was 348,158. The total number of shares entitled to
vote thereon was 348,158.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-weight: normal">(If the shares of any class of
series are entitled to vote thereon as a class, set forth below the </FONT>designation and number of outstanding shares entitled
to vote thereon of each such class o<FONT STYLE="font-weight: normal">r series. (Omit if not applicable).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 25.55pt"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 25.55pt"><FONT STYLE="font-weight: normal">7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
number </FONT>of shares voting for and against such amendment is as follows:<FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 27.35pt"><FONT STYLE="font-weight: normal">(If the
shares <FONT STYLE="font-style: normal">of</FONT></FONT><I> </I>any class or series are entitled to vote as a class, set forth
the number of shares of each such class and series voting for and against the amendment, respectively.)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 33%; text-autospace: none; font-weight: normal">Number of shares</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 33%; text-autospace: none; font-weight: normal">Number of shares</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 32%; text-autospace: none; font-weight: normal">Number of shares</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none; font-weight: normal; border-bottom: Black 1pt solid">Voting for Amendment</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-autospace: none; font-weight: normal; border-bottom: Black 1pt solid">Voting Against Amendment</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-autospace: none; font-weight: normal; border-bottom: Black 1pt solid">Abstaining</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none; font-weight: normal">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-autospace: none; font-weight: normal">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-autospace: none; font-weight: normal">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 18.7pt; text-autospace: none; font-weight: normal">279,424</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-autospace: none; font-weight: normal; padding-left: 0.36in">2,954</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-autospace: none; font-weight: normal; text-align: left; padding-left: 0.36in">9,495</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt; font-weight: normal"><U>(If the amendment
is accompanied by a reduction of stated capital, the following clause may be inserted in the Certificate <FONT STYLE="font-style: normal">of
Amendment in lieu</FONT></U></FONT><U> of filing a Certificate of Reduction under Section 14A:7-19, Corporations, General of the
New Jersey Statutes. Omit this clause if not applicable.)</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 29.5pt"><FONT STYLE="font-size: 10pt; font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 26.3pt"><FONT STYLE="font-weight: normal">8.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
stated capital of the corporation is reduced in the following amount: <U> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;OMIT&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>.
The manner in which the reduction is effected is as follows:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 25.55pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 26.3pt"><FONT STYLE="font-weight: normal">The
amount of stated capital of the corporation after giving effect to the reduction is $<U>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;OMIT&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </U>.
(Must be set forth in dollars.)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 25.55pt">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 25.9pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 25.9pt">9.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If the amendment
provides for an exchange, reclassification or cancellation of issued shares, set forth a statement of the manner in which the same
shall be effected (Omit if not applicable.) OMIT</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 148.3pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.35in">(Use the following only if an effective
date, not later than 30 days subsequent to the date of filing is desired.)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 23.4pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 23.4pt">10.&nbsp;&nbsp;&nbsp;&nbsp;The
effective date of this Amendment to the Certificate of Incorporation shall be ___________________.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left">Dated this 17th day of March, 1988.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><B>&nbsp;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="RIGHT" STYLE="font: 10pt Times New Roman, Times, Serif; width: 50%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; text-autospace: none"></TD>
    <TD STYLE="text-indent: 0in; text-autospace: none; border-bottom: Black 1pt solid">CENTER BANCORP INC.&nbsp;&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; text-autospace: none"></TD>
    <TD STYLE="text-indent: 0in; text-autospace: none">(Corporation Name)&nbsp;&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; text-autospace: none">&nbsp;</TD>
    <TD STYLE="text-indent: 0in; text-autospace: none">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 4%; text-indent: 0in; text-autospace: none">BY:</TD>
    <TD STYLE="width: 46%; text-indent: 0in; text-autospace: none; border-bottom: Black 1pt solid">/s/ John J. Davis</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; text-autospace: none">&nbsp;</TD>
    <TD STYLE="text-indent: 0in; text-autospace: none">(Signature)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; text-autospace: none">&nbsp;</TD>
    <TD STYLE="text-indent: 0in; text-autospace: none">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; text-autospace: none">&nbsp;</TD>
    <TD STYLE="text-indent: 0in; text-autospace: none; border-bottom: Black 1pt solid">JOHN J. DAVIS, President</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; text-autospace: none">&nbsp;</TD>
    <TD STYLE="text-indent: 0in; text-autospace: none">(Type or Print Name &amp; Title)</TD></TR>
</TABLE><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">(*May be executed by the chairman of the board,
<U>or</U> the president, <U>or</U> a vice-president of the corporation)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left">Return to Secretary of State, P.O. Box 1330,
Trenton, N.J. 08625, Att: Corporation filing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 50%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="width: 85%; text-align: left">Filing Fee</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 12%; text-align: right">50.00</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">NOTE: No recording fees will be assessed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">FOLDER NO:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"><TR STYLE="vertical-align: top"><TD STYLE="text-align: justify; text-autospace: none; width: 50%">CERTIFICATE OF AMENDMENT TO</TD>
    <TD STYLE="text-align: justify; text-autospace: none; width: 50%">RECORDED AND FILED:&nbsp;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">CERTIFICATE OF INCORPORATION OF</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; border-bottom: windowtext 1pt solid; text-align: justify; text-autospace: none">CENTER BANCORP INC.</TD>
    <TD STYLE="width: 50%; text-align: justify; text-autospace: none">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; text-autospace: none">(Domestic Corporations Only)</TD>
    <TD STYLE="text-align: justify; text-autospace: none">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">FILED BY:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">KEIN, POLLATSCHEK &amp; GREEENSTEIN</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">2042 Morris Avenue&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">                                                                                                                                <TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; text-autospace: none">P.O. Box 88&nbsp;</TD>
    <TD STYLE="text-align: justify; text-autospace: none; border-bottom: Black 1pt solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top"><TD STYLE="text-align: justify; text-autospace: none; width: 60%">Union, New  Jersey 07083</TD>
    <TD STYLE="text-align: justify; text-autospace: none; width: 40%">Recorder&rsquo;s Initials&nbsp;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">TRANSACTION NO.:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><B><I>STATE OF NEW JERSEY</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><B><I>DEPARTMENT OF THE TREASURY</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><B><I>FILING CERTIFICATION (CERTIFIED COPY)</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><B><I>CENTER BANCORP, INC</I>.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><B><I>0100181324</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 19.8pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 19.8pt"><I>I, the Treasurer of the State of New Jersey,
do hereby certify, that the above named business did file and record in this department the below listed document(s) and that
the foregoing is a true copy of the Certificate Of Amendment as the same is taken from and compared with the original(s) filed
in this office on the date set forth on each instrument and now remaining on file and of record in my office.</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 103.7pt; text-align: center; text-indent: 0in"><I>&nbsp;</I></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; text-autospace: none; font-style: normal; text-align: center; vertical-align: bottom"><img src="seal.jpg"></TD>
    <TD STYLE="width: 50%; text-align: left; vertical-align: bottom"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><I>IN TESTIMONY WHEREOF, I have hereunto set my hand and
                                                                  affixed my Official Seal at Trenton, this 31st day of August, 2011</I></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none; font-style: normal">&nbsp;</TD>
    <TD STYLE="text-autospace: none">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none; font-style: normal">&nbsp;</TD>
    <TD STYLE="text-autospace: none"><I>/s/ Andrew P Sidamon-Eristoff</I></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none; font-style: normal"><I>&nbsp;</I></TD>
    <TD STYLE="text-autospace: none"><I>Andrew P Sidamon-Eristoff</I></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none; text-align: center"><I>Certificate Number: 121439963</I></TD>
    <TD STYLE="text-autospace: none"><I>State Treasurer</I></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none; text-align: center"><I>&nbsp;</I></TD>
    <TD STYLE="text-autospace: none"><I>&nbsp;</I></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none; text-align: center"><I>Verify this certificate online at</I></TD>
    <TD STYLE="text-autospace: none; font-style: normal"><I>&nbsp;</I></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none; text-align: center"><I>&nbsp;</I></TD>
    <TD STYLE="text-autospace: none; font-style: normal"><I>&nbsp;</I></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none; text-align: center"><I>https://www1.state.nj.us/TYTR_StandingCert/JSP/Verify_Cert.jsp</I></TD>
    <TD STYLE="text-autospace: none; font-style: normal"><I>&nbsp;</I></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 103.7pt; text-indent: 0in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 103.7pt; text-align: center; text-indent: 0in"><I>&nbsp;</I></P>

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                                                                                                                                                                                               1 .</I></TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center; text-autospace: none; font-weight: normal">&nbsp;</TD>
    <TD STYLE="text-align: center; text-autospace: none; font-weight: normal">ADB</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 70%; text-align: center; text-autospace: none; font-weight: normal">&nbsp;</TD>
    <TD STYLE="width: 30%; text-align: center; text-autospace: none; font-weight: normal">FILED</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center; text-autospace: none; font-weight: normal">&nbsp;</TD>
    <TD STYLE="text-align: center; text-autospace: none; font-weight: normal">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center; text-autospace: none; font-weight: normal"><B>&nbsp;</B></TD>
    <TD STYLE="text-align: center; text-autospace: none; font-weight: normal">NOV 22 1993</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center; text-autospace: none; font-weight: normal"><B>&nbsp;</B></TD>
    <TD STYLE="text-align: center; text-autospace: none; font-weight: normal">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center; text-autospace: none; font-weight: normal"><B>&nbsp;</B></TD>
    <TD STYLE="text-align: center; text-autospace: none; font-weight: normal">DANIEL J. DALTON</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center; text-autospace: none; font-weight: normal"><B>&nbsp;</B></TD>
    <TD STYLE="text-align: center; text-autospace: none; font-weight: normal">Secretary of State</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center; text-autospace: none; font-weight: normal">&nbsp;</TD>
    <TD STYLE="text-align: center; text-autospace: none; font-weight: normal">0883897</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><B>CERTIFICATE OF AMENDMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><B>OF</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><B>CERTIFICATE OF INCORPORATION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><B>OF</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><B>CENTER BANCORP, INC.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><B>Pursuant to N.J.S. 14A:7-15.1(3)</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><B>Dated: As of July 1, 1993</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 26.3pt; text-align: justify">The undersigned corporation,
having adopted an amendment to its certificate of incorporation in connection with a stock split, hereby certifies as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 59.75pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 26.3pt; text-align: justify">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The name of the
corporation is Center Bancorp, Inc.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.85in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 26.3pt; text-align: justify">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The date of adoption
by the board of directors of the corporation of the resolution approving the two for one stock split effectuated on July 1, 1993
(the &quot;Stock Split&quot;) was May 20, 1993.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.85in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 26.3pt; text-align: justify">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The amendment to
the certificate of incorporation will not adversely affect the rights or preferences of the holders of outstanding shares of any
class or series and will not result in the percentage of authorized shares that remains unissued after the Stock Split exceeding
the percentage of authorized shares that was unissued before the Stock Split.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.85in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 26.3pt; text-align: justify">4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The only class
of shares subject to the Stock Split was the corporation's Common Stock. The number of shares of Common Stock subject to the Stock
Split was 800,000. The number of shares issued in connection the Stock Split was 800,000.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.85in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 26.3pt; text-align: justify">5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The certificate
of incorporation is amended to increase the corporation's number of authorized shares of Common Stock from 10,000,000 to 20,000,000.
In connection therewith, the fourth paragraph of the certificate of incorporation is deleted in its entirety and a new fourth
paragraph, annexed hereto as Exhibit A, is substituted for it.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 60.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 26.3pt; text-align: justify">IN WITNESS WHEREOF, the
undersigned corporation has caused this certificate to be executed on its behalf by its duly authorized officer as of the date
first above written.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">CENTER BANCORP, INC.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 4%">&nbsp;</TD>
    <TD STYLE="width: 46%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>By:</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid">/s/ John Davis</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>John Davis</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>President</TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 50%"><FONT STYLE="font-size: 10pt">111793C2020</FONT></TD>
    <TD STYLE="width: 50%"><FONT STYLE="font-size: 10pt">0100181324</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; text-align: center; margin-bottom: 0"><B><U>Exhibit A</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 60.5pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 60.5pt">Fourth: <U>Capitalization</U>.
The total authorized capital stock of the Corporation shall consist of 20,000,000 shares of Common Stock, without par value. Shares
of the authorized capital stock may be issued from time to time for such consideration as may be fixed from time to time by the
Board of Directors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 60.5pt">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><I>STATE OF NEW JERSEY</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><I>DEPARTMENT OF THE TREASURY</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><I>FILING CERTIFICATION (CERTIFIED COPY)</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><I>CENTER BANCORP, INC</I>.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0"><B><I>0100181324</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 11.15pt; text-indent: 20.15pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 11.15pt; text-indent: 20.15pt"><I>I, the Treasurer of the State
of New Jersey, do hereby certify, that the above named business did file and record in this department the below listed document(s)
and that the foregoing is a true copy of the Certificate Of Amendment as the same is taken from and compared with the original(s)
filed in this office on the date set forth on each instrument and now remaining on file and of record in my office.</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0in"><I>&nbsp;</I></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; text-autospace: none; font-style: normal; text-align: center; vertical-align: bottom"><img src="seal.jpg"></TD>
    <TD STYLE="width: 50%; text-align: left; vertical-align: bottom"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><I>IN TESTIMONY WHEREOF, I have hereunto set my hand and
                                                                  affixed my Official Seal at Trenton, this 31st day of August, 2011</I></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none; font-style: normal">&nbsp;</TD>
    <TD STYLE="text-autospace: none">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none; font-style: normal">&nbsp;</TD>
    <TD STYLE="text-autospace: none"><I>/s/ Andrew P Sidamon-Eristoff</I></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none; font-style: normal"><I>&nbsp;</I></TD>
    <TD STYLE="text-autospace: none"><I>Andrew P Sidamon-Eristoff</I></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none; text-align: center"><I>Certificate Number: 121439987</I></TD>
    <TD STYLE="text-autospace: none"><I>State Treasurer</I></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none; text-align: center"><I>&nbsp;</I></TD>
    <TD STYLE="text-autospace: none"><I>&nbsp;</I></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none; text-align: center"><I>Verify this certificate online at</I></TD>
    <TD STYLE="text-autospace: none; font-style: normal"><I>&nbsp;</I></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none; text-align: center"><I>&nbsp;</I></TD>
    <TD STYLE="text-autospace: none; font-style: normal"><I>&nbsp;</I></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none; text-align: center"><I>https://www1.state.nj.us/TYTR_StandingCert/JSP/Verify_Cert.jsp</I></TD>
    <TD STYLE="text-autospace: none; font-style: normal"><I>&nbsp;</I></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0in"><I>&nbsp;</I></P>

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                                                                                                                                                                                               .</I></TD></TR></TABLE></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0"><I>&nbsp;</I>&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none">&nbsp;</TD>
    <TD STYLE="text-autospace: none; text-align: center">AMC</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none">&nbsp;</TD>
    <TD STYLE="text-autospace: none; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 70%; text-autospace: none">&nbsp;</TD>
    <TD STYLE="width: 30%; text-autospace: none; text-align: center">FILED</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none">&nbsp;</TD>
    <TD STYLE="text-autospace: none; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none">&nbsp;</TD>
    <TD STYLE="text-autospace: none; text-align: center">APR 16 2002</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none">&nbsp;</TD>
    <TD STYLE="text-autospace: none; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none">&nbsp;</TD>
    <TD STYLE="text-autospace: none; text-align: center">STATE TREASURER</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><B>CERTIFICATE OF AMENDMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><B>OF THE</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><B>CERTIFICATE OF INCORPORATION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><B>OF</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><B>CENTER BANCORP, INC.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><B>(Pursuant to N. J. S. A. 14A:9-2(4) and
I4A:9-4(3))</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 26.3pt"><FONT STYLE="font-weight: normal">Pursuant
to N.J.S.A. 14A:9-2(4) and N.J.S.A 14A:9-4(3), the undersigned corporation hereby certifies as follows:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 66.95pt; text-align: left; text-indent: 0in"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 26.3pt"><FONT STYLE="font-weight: normal">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
name of the corporation is Center Bancorp, Inc. (the &quot;Corporation&quot;).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 32.75pt; text-align: left; text-indent: 34.2pt"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 26.3pt"><FONT STYLE="font-weight: normal">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Article
Fourth of the Corporation's certificate of incorporation has been amended to provide in its entirety as follows:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 65.15pt; text-align: justify; text-indent: 34.55pt"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 26.3pt; text-align: justify; text-indent: 34.55pt"><FONT STYLE="font-weight: normal">&quot;Fourth:
<U>Capitalization</U>. The total number of shares of sto</FONT>ck<B> </B><FONT STYLE="font-weight: normal">which the Corporation
shall have authority to issue is Twenty Five Million (25,000,000) shares, of which Twenty Million (20,000,000) shares are designated
as Common Stock, no par value (&quot;Common Stock&quot;), and Five Million (5,000,000) shares are designated as Preferred Stock,
no par value (&quot;Preferred Stock&quot;). The board of directors is authorized to issue the Preferred Stock from time to time
in one or more classes or series thereof, each such class or series to have voting powers (if any), conversion rights (if any),
designations, preferences and relative, participating, optional or other special rights, and such qualifications, limitations
or restrictions thereof, as shall be determined by the board of directors and stated and expressed in a resolution or resolutions
thereof providing for the issuance of such Preferred Stock. Shares of the authorized capital stock may be issued from time to
time for such consideration as may be fixed from time to time by the Board of Directors. Subject to the powers, preferences and
rights of any Preferred Stock, including any class or series thereof, having preferences or priority over, or rights superior
to, the Common Stock and except as otherwise provided by law, the holders of the Common Stock shall have and possess all powers
and voting and other rights pertaining to the stock of the Corporation. In furtherance of the immediately preceding sentence:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 65.15pt; text-align: justify; text-indent: 34.9pt"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 26.3pt; text-align: justify; text-indent: 34.55pt"><FONT STYLE="font-weight: normal">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>General</U>.
All shares of Common Stock will be identical and will entitle the holders thereof to the same rights and privileges. The voting,
dividend, liquidation and other rights of the holders of the Common Stock are subject to, and qualified by, the rights of the
holders of the Preferred Stock, if any.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 26.3; text-align: justify; text-indent: 34.9pt"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 26.3pt; text-align: justify; text-indent: 34.55pt"><FONT STYLE="font-weight: normal">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Voting</U>.
The holders of Common Stock will be entitled to one vote per share on all matters to be voted on by the Corp</FONT>oration's stockholders,
except as otherwise required by law. Except as provided by law or this Certificate of Incorporation, holders of Common Stock shall
vote together with the holders of Preferred Stock as<FONT STYLE="font-weight: normal"> a single class on all matters. There shall
be no cumulative voting.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 26.3pt; text-align: justify; text-indent: 34.55pt">&nbsp;&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%"><FONT STYLE="font-size: 10pt">C3071/1</FONT></TD>
    <TD STYLE="width: 15%; font-size: 10pt"><FONT STYLE="font-size: 10pt">S1088513</FONT></TD>
    <TD STYLE="width: 65%; font-size: 10pt; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">04/15/02 1199658.01</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">J2090965</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: right"><FONT STYLE="font-size: 10pt">0100181324</FONT></TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left"><B>&nbsp;</B></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 34.9pt; text-align: justify; text-indent: 34.9pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 26.3pt; text-align: justify; text-indent: 34.55pt"><FONT STYLE="font-weight: normal">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Dividends</U>.
Dividends may be declared and paid on the Common Stock from funds lawfully available therefor </FONT>if, <FONT STYLE="font-weight: normal">as
and when determined by the Board </FONT>of <FONT STYLE="font-weight: normal">Directors in its sole discretion, subject
to provisions of law, the provisions of this Certificate of Incorporation, and the relative rights and preferences of any
shares of Preferred Stock authorized and issued hereunder.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 26.3; text-align: justify; text-indent: 34.9pt"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 26.3pt; text-align: justify; text-indent: 34.55pt"><FONT STYLE="font-weight: normal">4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Liquidation</U>.
In the event of any liquidation, dissolution or winding up of the affairs of the Corporation, the holders of the Common Stock
shall be entitled, subject to the rights and preferences, if any, of any holders </FONT>of <FONT STYLE="font-weight: normal">shares
of Preferred Stock authorized and issued hereunder, to share, ratably in proportion to the number of shares of Common Stock held
by them, in the remaining assets of the Corporation available for distribution to its stockholders.&quot;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 26.3pt"><FONT STYLE="font-weight: normal">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
above mentioned amendment was adopted by the shareholders of the Corporation on April 16,2002.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 34.2pt"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 26.3pt"><FONT STYLE="font-weight: normal">4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A
total of 3,972,710 shares of the Corporation's Common Stock were entitled to vote on the above-mentioned amendment.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 68.05pt"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 26.3pt"><FONT STYLE="font-weight: normal">5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A
total of <U>2,131,989</U><I> </I>shares of the Corporation's Common Stock voted for the above-mentioned amendment and a total
of <U>308,850</U> shares of the Corporation's Common Stock voted against the above-mentioned amendment.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 34.2pt"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 26.3pt"><FONT STYLE="font-weight: normal">IN
WITNESS WHEREOF, the undersigned corporation has caused this Certificate of Amendment to be executed on its behalf by its duly
authorized officer this 16th day of April, 2002.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">CENTER BANCORP, INC.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 4%">&nbsp;</TD>
    <TD STYLE="width: 46%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>By:</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid">/s/ John J. Davis</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>John J. Davis, President</TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;<I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: -35.3pt"><B><I>STATE OF NEW JERSEY</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: -35.3pt"><B><I>DEPARTMENT OF THE
TREASURY</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: -35.3pt"><B><I>FILING CERTIFICATION
(CERTIFIED COPY)</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: -35.3pt"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: -35.3pt"><B><I>CENTER BANCORP,
INC.</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: -35.3pt"><B><I>0100181324</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 20.15pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 11.5pt; text-indent: 20.15pt"><I>I, the Treasurer of the State
of New Jersey, do hereby certify, that the above named business did file and record in this department the below listed document(s)
and that the foregoing is a true copy of the Certificate Of Amendment as the same is taken from and compared with the original(s)
filed in this office on the date set forth on each instrument and now remaining on file and of record in my office.</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 67.3pt">&nbsp;&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; text-autospace: none; font-style: normal; text-align: center; vertical-align: bottom"><img src="seal.jpg"></TD>
    <TD STYLE="width: 50%; text-align: left; vertical-align: bottom"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><I>IN TESTIMONY WHEREOF, I have hereunto set my hand and
                                                                  affixed my Official Seal at Trenton, this 31st day of August, 2011</I></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none; font-style: normal">&nbsp;</TD>
    <TD STYLE="text-autospace: none">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none; font-style: normal">&nbsp;</TD>
    <TD STYLE="text-autospace: none"><I>/s/ Andrew P Sidamon-Eristoff</I></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none; font-style: normal"><I>&nbsp;</I></TD>
    <TD STYLE="text-autospace: none"><I>Andrew P Sidamon-Eristoff</I></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none; text-align: center"><I>Certificate Number:&nbsp;&nbsp;&nbsp;<FONT STYLE="font-weight: normal">121439994</FONT></I></TD>
    <TD STYLE="text-autospace: none"><I>State Treasurer</I></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none; text-align: center"><I>&nbsp;</I></TD>
    <TD STYLE="text-autospace: none"><I>&nbsp;</I></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none; text-align: center"><I>Verify this certificate online at</I></TD>
    <TD STYLE="text-autospace: none; font-style: normal"><I>&nbsp;</I></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none; text-align: center"><I>&nbsp;</I></TD>
    <TD STYLE="text-autospace: none; font-style: normal"><I>&nbsp;</I></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none; font-style: normal; text-align: center"><I>https://www1.state.nj.us/TYTR_StandingCert/JSP/Verify_Cert.jsp</I></TD>
    <TD STYLE="text-autospace: none; font-style: normal">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 42.5pt; text-indent: 194.75pt">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 128.5pt; text-align: justify"><B><I>&nbsp;</I></B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none">&nbsp;</TD>
    <TD STYLE="text-autospace: none; text-align: center">AMC</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 70%; text-autospace: none">&nbsp;</TD>
    <TD STYLE="width: 30%; text-autospace: none; text-align: center">FILED</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none">&nbsp;</TD>
    <TD STYLE="text-autospace: none; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none">&nbsp;</TD>
    <TD STYLE="text-autospace: none; text-align: center">JUN 10 2008</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none">&nbsp;</TD>
    <TD STYLE="text-autospace: none; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none">&nbsp;</TD>
    <TD STYLE="text-autospace: none; text-align: center">STATE TREASURER</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none">&nbsp;</TD>
    <TD STYLE="text-autospace: none; text-align: center">0100181324</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>CERTIFICATE
OF AMENDMENT</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>OF THE</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>CERTIFICATE
OF INCORPORATION</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt">&nbsp;&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>OF</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>CENTER BANCORP,
INC.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>Pursuant to
Sections 14A:9-2(4) and 14A:9-4(<FONT STYLE="font-variant: small-caps">3)</FONT></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>of the New
Jersey Business Corporation Act</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>Dated:
June 6, 2008</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 33.1pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 26.3pt; text-align: justify">The undersigned corporation, having adopted
an amendment to its certificate of incorporation pursuant to Sections l4A:9-2(4) and Section 14A:9-4(3) of the New Jersey Business
Corporation Act, hereby certifies that:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 35.3pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 26.3pt">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The name of
the corporation is Center Bancorp, Inc. (the &quot;Corporation&quot;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 32.75pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 26.3pt">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Article Twelfth
of the Corporation's certificate of incorporation has been amended to provide in its entirety as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 69.1pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 58pt; text-align: justify">&ldquo;<U>Election of Directors</U>.
At the 2008 annual meeting of shareholders of the Corporation, the successors of the directors whose terms expire at that meeting
shall be elected for a term expiring at the 2009 annual meeting of shareholders. At the 2009 annual meeting of shareholders of
the Corporation, the successors of the directors whose terms expire at that meeting shall be elected for a term expiring at the
2010 annual meeting of shareholders. At the 2010 annual meeting of shareholders of the Corporation, all directors shall be elected
for a term expiring at the 2011 annual meeting of shareholder. At each annual meeting of shareholders of the Corporation thereafter,
the directors shall be elected for terms expiring at the next annual meeting of shareholders.&quot;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 69.1pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 26.3pt; text-align: justify">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The date the amendment
to the certificate of incorporation was adopted by the shareholders of the Corporation was May 27, 2008.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 34.2pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 26.3pt; text-align: justify">4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A total of 13,113,760
shares of the Corporation's Common Stock were entitled to vote on the above-mentioned amendment</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 34.2pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 26.3pt; text-align: justify">5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A
total of 11,124,485 shares of the Corporation's Common Stock voted for the above-mentioned amendment, a total of 381,705 shares
of the Corporation's Common Stock voted against the above-mentioned amendment and a total of 218,971 shares of the Corporation's
Common Stock abstained with respect to the above-mentioned amendment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0">S2022971</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0">J3753574</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 26.3pt">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left; text-indent: 34.2pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left; text-indent: 34.2pt"><B>IN WITNESS WHEREOF, t</B>he
undersigned corporation has caused this certificate to be executed on its behalf by its duly authorized officer as of the date
first above written.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left; text-indent: 34.2pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">CENTER BANCORP, INC.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 4%">&nbsp;</TD>
    <TD STYLE="width: 46%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>By:</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid">/s/ Anthony C. Weagley</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Anthony C. Weagley</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>President and Chief Executive Officer</TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left">&nbsp;</P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 413.65pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><B><I>STATE OF NEW JERSEY</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><B><I>DEPARTMENT OF THE TREASURY</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><B><I>FILING CERTIFICATION (CERTIFIED COPY)</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><B><I>CENTER BANCORP, INC.</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><B><I>0100181324</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 11.5pt; text-indent: 20.15pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 11.5pt; text-indent: 20.15pt"><I>I, the Treasurer of the State
of New Jersey, do hereby certify, that the above named business did file and record in this department the below listed document(s)
and that the foregoing is a true copy of the Certificate Of Amendment as the same is taken from and compared with the original(s)
filed in this office on the date set forth on each instrument and now remaining on file and of record in my office.</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 45%; text-autospace: none; text-align: center; vertical-align: bottom"><img src="seal.jpg"></TD>
    <TD STYLE="width: 55%; text-align: left; vertical-align: bottom"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: -0.35pt"><I>IN TESTIMONY WHEREOF, I have hereunto
                                                                  set my hand and affixed my Official Seal at Trenton, this 31st day of August, 2011</I></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none">&nbsp;</TD>
    <TD STYLE="text-autospace: none">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none">&nbsp;</TD>
    <TD STYLE="text-autospace: none">/s/&nbsp;<I>Andrew P Sidamon-Eristoff</I></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none">&nbsp;</TD>
    <TD STYLE="text-autospace: none"><I>Andrew P Sidamon-Eristoff&nbsp;</I></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none; text-align: center"><I>Certificate Number: 121440006</I></TD>
    <TD STYLE="text-autospace: none"><I>State Treasurer</I></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none; text-align: center">&nbsp;</TD>
    <TD STYLE="text-autospace: none">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none; text-align: center"><I>Verify this certificate online at</I></TD>
    <TD STYLE="text-autospace: none"></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none; text-align: center">&nbsp;</TD>
    <TD STYLE="text-autospace: none">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD NOWRAP STYLE="text-autospace: none; text-align: center; text-decoration: none; font-size: 10pt"><FONT STYLE="font-size: 10pt; color: windowtext"><I>https://www1.state.nj</I></FONT><I>.
    us/TYTR_StandingCert/JSP/Verify_Cert.jsp</I></TD>
    <TD STYLE="padding-left: 35.65pt; text-autospace: none">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 42.1pt; text-align: justify">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 39.25pt; text-align: justify"><B>&nbsp;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none">&nbsp;</TD>
    <TD STYLE="text-autospace: none; text-align: center">AMC</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 70%; text-autospace: none">&nbsp;</TD>
    <TD STYLE="width: 30%; text-autospace: none; text-align: center">FILED</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none">&nbsp;</TD>
    <TD STYLE="text-autospace: none; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none">&nbsp;</TD>
    <TD STYLE="text-autospace: none; text-align: center">JAN - 8 2009</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none">&nbsp;</TD>
    <TD STYLE="text-autospace: none; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none">&nbsp;</TD>
    <TD STYLE="text-autospace: none; text-align: center">STATE TREASURER</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none">&nbsp;</TD>
    <TD STYLE="text-autospace: none; text-align: center">0100181324</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>CERTIFICATE OF AMENDMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>OF THE</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>CERTIFICATE OF INCORPORATION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>OF</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>CENTER BANCORP, INC.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>(Pursuant to N.J.S.A. I4A:7-2(4))</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 26.3pt; text-align: justify">Pursuant to N.J.S.A.
14A:7-2(4) and N.J.S.A. l4A:9-4(2), the undersigned corporation hereby certifies as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 38.15pt; text-align: justify; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 26.3pt; text-align: justify">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The name
of the corporation is Center Bancorp, Inc. (the &quot;Corporation&quot;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 30.95pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 26.3pt; text-align: justify">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
board of directors of the Corporation (the &quot;Board of Directors&quot;), in accordance with the Certificate of Incorporation
and the Amended and Restated By-laws of the Corporation and applicable law, duly adopted the following resolutions <FONT STYLE="font-weight: normal; font-style: normal">on
</FONT>December 15, 2008 creating a series of ten thousand (10,000) shares of Preferred Stock of the Corporation designated as
&quot;<U>Fixed Rate Cumulative Perpetual Preferred Stock, Series A</U>.&quot;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 30.95pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 26.3pt; text-align: justify"><B>RESOLVED, </B>that
pursuant to the provisions of the Certificate of Incorporation and the Amended and Restated By-laws of the Corporation and applicable
law, a series of Fixed Rate Cumulative Perpetual Preferred Stock, Series A, no par value, of the Corporation be and hereby is
created;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 30.95pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 26.3pt; text-align: justify"><B>RESOLVED, </B>that
the officers of the Corporation be, and each of them hereby is, authorized, empowered and directed to file with the Department
of the Treasury, State of New Jersey, a Certificate of Amendment to the Corporation's Certificate of Incorporation to amend Article
Fourth thereof to include a new section 5 which sets forth the designation and number of shares of such series, and the voting
and other powers, preferences and relative, participating, optional or other rights, and the qualifications, limitations and restrictions
thereof, of the shares of such series, as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&ldquo;5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Series A Preferred Stock</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in; text-align: justify">Part 1.&#9;<U>Designation and Number of Shares</U>.
There is hereby created out of the authorized and unissued shares of preferred stock of the Corporation a series of preferred
stock designated as the &quot;Fixed Rate Cumulative Perpetual Preferred Stock, Series A&quot; (the &quot;<U>Designated Preferred
Stock</U>&quot;). The authorized number of shares of the Designated Preferred Stock shall be 10,000.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in; text-align: justify">Part 2.&#9;<U>Standard Provisions</U>.
The Standard Provisions contained in Annex A below are incorporated herein by reference in their entirety and shall be deemed
to be a part of this Certificate of Designations <FONT STYLE="font-size: 10pt">to the same extent as if such provisions had been
set forth in full herein.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; text-align: left; margin-bottom: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD><FONT STYLE="font-size: 10pt">C3071/1</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">S2106117</FONT></TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 20%"><FONT STYLE="font-size: 10pt">01/08/2009 10480792.3</FONT></TD>
    <TD STYLE="width: 80%"><FONT STYLE="font-size: 10pt">J3880825</FONT></TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; text-align: left; margin-bottom: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-indent: 62.3pt"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-indent: 62.3pt">Part 3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#9;<U>Definitions</U>.
The<I> </I>following terms are used in this Certificate of Designations (including the Standard Provisions in Annex A hereto)
as defined below:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 92.9pt; text-align: justify; text-indent: -61.9pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 31pt"></TD><TD STYLE="width: 61.9pt">(a)</TD><TD STYLE="text-align: justify">&ldquo;<U>Common Stock</U>&rdquo;
                                                               means the common stock, no par value, of the Corporation.</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 92.9pt; text-align: justify; text-indent: -61.9pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 31pt"></TD><TD STYLE="width: 61.9pt">(b)</TD><TD STYLE="text-align: justify">&ldquo;<U>Dividend Payment Date</U>&rdquo;
                                                               means February 15, May 15, August 15 and November 15 of each year.</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 92.9pt; text-align: justify; text-indent: -61.9pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 31pt"></TD><TD STYLE="width: 61.9pt">(c)</TD><TD STYLE="text-align: justify">&ldquo;<U>Junior Stock</U>&rdquo;
                                                               means the Common Stock, and any other class or series of stock
                                                               of the Corporation the terms of which expressly provide that it
                                                               ranks junior to Designated Preferred Stock as to dividend rights
                                                               and/or as to rights on liquidation, dissolution or winding up of
                                                               the Corporation.</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 92.9pt; text-align: justify; text-indent: -61.9pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 31pt"></TD><TD STYLE="width: 61.9pt">(d)</TD><TD STYLE="text-align: justify">&ldquo;L<U>iquidation Amount</U>&rdquo;
                                                               means $1,000 per share of Designated Preferred Stock.</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 30.95pt; text-align: left; text-indent: 0in">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 92.9pt; text-align: justify; text-indent: -61.9pt"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 31pt"></TD><TD STYLE="width: 61.9pt">(e)</TD><TD STYLE="text-align: justify">&ldquo;<U>Minimum Amount</U>&rdquo;
                                                               means $2,500,000.00.</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 30.95pt; text-align: left; text-indent: 0in">&nbsp;&nbsp;&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 31pt"></TD><TD STYLE="width: 61.9pt">(f)</TD><TD STYLE="text-align: justify">&ldquo;<U>Parity Stock</U>&rdquo;
                                                               means any class or series of stock of the Corporation (other than
                                                               Designated Preferred Stock the terms of which do not expressly
                                                               provide that such class or series will rank senior or junior to
                                                               Designated Preferred Stock as to dividend rights and/or as to rights
                                                               on liquidation, dissolution or winding up of the Corporation (in
                                                               each case without regard to whether dividends accrue cumulatively
                                                               or non-cumulatively).</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 30.95pt; text-align: left; text-indent: 0in">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 92.9pt; text-align: justify; text-indent: -61.9pt"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 31pt"></TD><TD STYLE="width: 61.9pt">(g)</TD><TD STYLE="text-align: justify">&ldquo;<U>Signing Date</U>&rdquo;
                                                               means the Original Issue Date.</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 30.95pt; text-align: left; text-indent: 0in"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 30.95pt; text-align: left; text-indent: 0in">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-indent: 62.3pt; text-align: justify">Part 4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#9;<U>Certain
Voting Matters</U>. Holders of shares of Designated Preferred Stock will be entitled to one vote for each such share on any matter
on which holders of Designated Preferred Stock are entitled to vote, including any action by written consent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>ANNEX A</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>STANDARD PROVISIONS</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 30.25pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 30.25pt">Section 1.&nbsp;
<U>General Matters</U>. Each share of Designated Preferred Stock shall be identical in all respects to every other share of Designated
Preferred Stock. The Designated Preferred Stock shall be perpetual, subject to the provisions of Section 5 of these Standard Provisions
that form a part of the Certificate of Designations. The Designated Preferred Stock shall rank equally with Parity Stock and shall
rank senior to Junior Stock with respect to the payment of dividends and the distribution of assets in the event of any dissolution,
liquidation or winding up of the Corporation.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: right; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 30.25pt">Section 2.&nbsp;&nbsp;
<U>Standard Definitions</U>. As used herein with respect to Designated Preferred Stock:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0in">&nbsp;</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 31.3pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 31.3pt">(a)&#9;<U>&ldquo;Applicable
Dividend Rate</U>&rdquo; means (i) during the period from the Original Issue Date to, but excluding, the first day of the first
Dividend Period commencing on or after the fifth anniversary of the Original Issue Date, 5% per annum and (ii) from and after
the first day of the first Dividend Period commencing on or after the fifth anniversary of the Original Issue Date, 9% per annum.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 31.3pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 31.3pt">(b)&#9;&ldquo;<U>Appropriate
Federal Banking Agency</U>&rdquo; means the &ldquo;appropriate Federal banking agency&rdquo; with respect to the Corporation
as defined in Section 3(q) of the Federal Deposit Insurance Act (12 U.S.C Section 1813(q)), or any successor provision.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 31.3pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 31.3pt">(c)&#9;&ldquo;<U>Business
Combination</U>&rdquo; means a merger, consolidation, statutory share exchange or similar transaction that requires the approval
of the Corporation's stockholders.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 31.3pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 31.3pt">(d)&#9;&ldquo;<U>Business
Day</U>&rdquo; means any day except Saturday, Sunday and any day on which banking institutions in the State of New York generally
are authorized or required by law or other governmental actions to close.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 31.7pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 31.3pt">(e)&#9;&ldquo;<U>Bylaws</U>&rdquo;
means the bylaws of the Corporation, as they may be amended from time to time.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 31.3pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 31.3pt">(f)&#9;&ldquo;<U>Certificate
of Designations</U>&rdquo; means the Certificate of Designations or comparable instrument relating to the Designated Preferred
Stock, of which these Standard Provisions form a part, as it may be amended from time to time,</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 31.3pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 31.3pt">(g)&#9;&ldquo;<U>Charter</U>&rdquo;
means the Corporation's certificate or articles of incorporation, articles of association, or similar organizational document.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 31.7pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 31.7pt; text-align: left; text-indent: 0in">(h)&#9;&ldquo;<U>Dividend
Period</U>&rdquo; has the meaning set<I> </I>forth in Section 3(a).</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 32.05pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 32.05pt; text-align: left; text-indent: 0in">(i)&#9;&ldquo;<U>Dividend
Record Date</U>&rdquo; has the meaning set forth in Section 3(a).</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 32.05pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 32.05pt; text-align: left; text-indent: 0in">(j)&#9;&ldquo;<U>Liquidation
Preference</U>&rdquo; has the meaning set forth in Section 4(a).</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left; text-indent: 31.3pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left; text-indent: 31.3pt">(k)&#9;&ldquo;<U>Original
Issue Date</U>&rdquo; means the date on which shares of Designated Preferred Stock are first issued.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 32.05pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 32.05pt; text-align: left; text-indent: 0in">(l)&#9;&ldquo;<U>Preferred
Director</U>&rdquo; has the meaning set forth in Section 7(b).</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 31.3pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 31.3pt">(m)&#9;&ldquo;<U>Preferred
Stock</U>&rdquo; means any and all series of preferred stock of the Corporation, including the Designated Preferred Stock.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 31.7pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 31.7pt">(n)&#9;&ldquo;<U>Qualified
Equity Offering</U>&rdquo; means the sale and issuance for cash by the Corporation to persons other than the Corporation or any
of its subsidiaries after the Original Issue Date of shares of perpetual Preferred Stock, Common Stock Or any combination of such
stock, that, in each case, qualify as and may be included in Tier 1 capital of the Corporation at the time of issuance under the
applicable risk-based capital guidelines of the Corporation's Appropriate Federal Banking Agency (other than any such sales and
issuances made pursuant to agreements or arrangements entered into, or pursuant to financing plans which were publicly announced,
on or prior to October 13,2008).</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 31.3pt; text-align: left; text-indent: 0in">&nbsp;</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 31.3pt; text-align: left; text-indent: 0in">(o)&#9;&ldquo;<U>Share
Dilution Amount</U>&rdquo; has the meaning set forth in Section 3(b).</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 30.95pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 30.95pt">(p)&#9;&ldquo;<U>Standard
Provisions</U>&rdquo; mean these Standard Provisions that form a part of the Certificate of Designations relating to the Designated
Preferred Stock.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 31.7pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 31.7pt; text-align: left; text-indent: 0in">(q)&#9;&ldquo;Successor
<U>Preferred Stock</U>&rdquo; has the meaning set forth in Section 5(a).</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 30.6pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 30.6pt">(r)&#9;&ldquo;<U>Voting
Parity Stock</U>&rdquo; means, with regard to any matter as to which the holders of Designated Preferred Stock are entitled to
vote as specified in Sections 7(a) and 7(b) of these Standard Provisions that form a part of the Certificate of Designations,
any and all series of Parity Stock upon which like voting rights have been conferred and arc exercisable with respect to such
matter.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 32.05pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 32.05pt; text-align: left; text-indent: 0in">Section
3. <U>Dividends</U>.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 30.6pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 30.6pt">(a) <U>Rate</U>.
Holders of Designated Preferred Stock shall be entitled to receive, on each share of Designated Preferred Stock if, as and
when declared by the Board of Directors or any duly authorized committee of the Board of Directors, but only out of assets
legally available therefor, cumulative cash dividends with respect to each Dividend Period (as defined below) at a rate per
annum equal to the Applicable Dividend Rate on (i) the Liquidation Amount per share of Designated Preferred Stock and (it)
the amount of accrued and unpaid dividends for any prior Dividend Period on such share of Designated Preferred Stock, if any.
Such dividends shall begin to accrue and be cumulative from the Original Issue Date, shall compound on each subsequent
Dividend Payment Date (i.<I>e., </I>no dividends shall accrue on other dividends unless and until the first Dividend Payment
Date for such other dividends has passed without such other dividends having been paid on such date) and shall be payable
quarterly in arrears on each Dividend Payment Date, commencing with the first such Dividend Payment Date to occur at least 20
calendar days after the Original Issue Date. In the event that any Dividend Payment Date would otherwise fall on a day that
is not a Business Day, the dividend payment due on that date will be postponed to the next day that is a Business Day and no
additional dividends will accrue as a result of that postponement. The period from and including any Dividend Payment Date
to, but excluding, the next Dividend Payment Date is a &ldquo;<U>Dividend Period</U>&rdquo;, provided that the initial
Dividend Period shall be the period from and including the Original Issue Date to, but excluding, the next Dividend Payment
Date.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 30.6pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 30.6pt">Dividends that
are payable on Designated Preferred Stock in respect of any Dividend Period shall be computed on the basis of a 360-day year consisting
of twelve 30-day months. The amount of dividends payable on Designated Preferred Stock on any date prior to the end of a Dividend
Period, and for the initial Dividend Period, shall be computed on the basis of a 360-day year consisting of twelve 30-day months,
and actual days elapsed over a 30-day month.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 30.95pt">&nbsp;</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 30.95pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 30.95pt">Dividends that
are payable on Designated Preferred Stock on any Dividend Payment Date will be payable to holders of record of Designated Preferred
Stock as they appear on the stock register of the Corporation on the applicable record date, which shall be the 15th calendar
day immediately preceding such Dividend payment Date or such other record date fixed by the Board of Directors or any duly authorized
committee of the Board of Directors that is not more than 60 nor less than 10 days prior to such Dividend Payment Date (each,
a &ldquo;<U>Dividend Record Date</U>&rdquo;). Any such day that is a Dividend Record Date shall be a Dividend Record Date whether
or not such day is a Business Day.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 30.95pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 30.95pt">Holders of Designated
Preferred Stock shall not be entitled to any dividends, whether payable in cash, securities or other property, other than dividends
(if any) declared and payable on Designated Preferred Stock as specified in this Section 3 (subject to the other provisions of
the Certificate of Designations).</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 30.6pt">(b) <U>Priority
of Dividends</U>. So long as any share of Designated Preferred Stock remains outstanding, no dividend or distribution shall be
declared or paid on the Common Stock or any other shares of Junior Stock (other than dividends payable solely in shares of Common
Stock) or Parity Stock, subject to the immediately following paragraph in the case of Parity Stock, and no Common Stock, Junior
Stock or Parity Stock shall be, directly or indirectly, purchased, redeemed or otherwise acquired for consideration by the Corporation
or any of its subsidiaries unless all accrued and unpaid dividends for all past Dividend Periods, including the latest completed
Dividend Period (including, if applicable as provided in Section 3(a) above, dividends on such amount), on all outstanding shares
of Designated Preferred Stock have been or are contemporaneously declared and paid in full (or have been declared and a sum sufficient
for the payment thereof has been set aside for the benefit of the holders of shares of Designated Preferred Stock on the applicable
record date). The foregoing limitation shall not apply to (i) redemptions, purchases or other acquisitions of shares of Common
Stock or other Junior Stock in connection with the administration of any employee benefit plan in the ordinary course of business
(including purchases to offset the Share Dilution Amount (as defined below) pursuant to a publicly announced repurchase plan)
and consistent with past practice, <I>provided </I>that any purchases to offset the Share Dilution Amount shall in no event exceed
the Share Dilution Amount; (ii) purchases or other acquisitions by a broker-dealer subsidiary of the Corporation solely for the
purpose of market-making, stabilization or customer facilitation transactions in Junior Stock or Parity Stock in the ordinary
course of its business; (iii) purchases by a broker-dealer subsidiary of the Corporation of capital stock of the Corporation for
resale pursuant to an offering by the Corporation of such capital stock underwritten by such broker-dealer subsidiary; (iv) any
dividends or distributions of rights or Junior Stock in connection with a stockholders' rights plan or any redemption or repurchase
of rights pursuant to any stockholders' rights plan; (v) the acquisition by the Corporation or any of its subsidiaries of record
ownership in Junior Stock or Parity Stock for the beneficial ownership of any other persons (other than the Corporation or any
of its subsidiaries), including as trustees or custodians; and (vi) the exchange or conversion of Junior Stock for or into
other Junior Stock or of Parity Stock for or into other Parity Stock (with the same or lesser aggregate liquidation amount) or
Junior Stock, in each case, solely to the extent required pursuant to binding contractual agreements entered into prior to the
Signing Date or any subsequent agreement for the accelerated exercise, settlement or exchange thereof for Common Stock. &ldquo;<U>Share
Dilution Amount</U>&rdquo; means the increase in the number of diluted shares outstanding (determined in accordance with generally
accepted accounting principles in the United States, and as measured from the date of the Corporation's consolidated financial
statements most recently filed with the Securities and Exchange Commission prior to the Original Issue Date) resulting from the
grant, vesting or exercise of equity-based compensation to employees and equitably adjusted for any stock split, stock dividend,
reverse stock split, reclassification or similar transaction.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left">&nbsp;</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 30.95pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 30.95pt">When dividends
are not paid (or declared and a sum sufficient for payment thereof set aside for the benefit of the holders thereof on the applicable
record date) on any Dividend Payment Date (or, in the case of Parity Stock having dividend payment dates different from the Dividend
Payment Dates, on a dividend payment date falling within a Dividend Period related to such Dividend Payment Date) in full upon
Designated Preferred Stock and any shares of Parity Stock, all dividends declared on Designated Preferred Stock and all such Parity
Stock and payable on such Dividend Payment Date (or, in the case of Parity Stock having dividend payment dates different from
the Dividend Payment Dates, on a dividend payment date falling within the Dividend Period related to such Dividend Payment Date)
shall be declared <I>pro rata </I>so that the respective amounts of such dividends declared shall bear the same ratio to each
other as all accrued and unpaid dividends per share on the shares of Designated Preferred Stock (including, if applicable as provided
in Section 3(a) above, dividends on such amount) and all Parity Stock payable on such Dividend Payment Date (or, in the case of
Parity Stock having dividend payment dates different from the Dividend Payment Dates, on a dividend payment date falling within
the Dividend Period related to such Dividend Payment Date) (subject to their having been declared by the Board of Directors or
a duly authorized committee of the Board of Directors out of legally available funds and including, in the case of Parity Stock
that bears cumulative dividends, all accrued but unpaid dividends) bear to each other. If the Board of Directors or a duly authorized
committee of the Board of Directors determines not to pay any dividend or a full dividend on a Dividend Payment Date, the Corporation
will provide written notice to the holders of Designated Preferred Stock prior to such Dividend Payment Date.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 31.7pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 31.7pt">Subject to the
foregoing, and not otherwise, such dividends (payable in cash, securities or other property) as may be determined by the Board
of Directors or any duly authorized committee of the Board of Directors may be declared and paid on any securities, including
Common Stock and other Junior Stock, from time to time out of any funds legally available for such payment, and holders of Designated
Preferred Stock shall not be entitled to participate in any such dividends.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 33.5pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 33.5pt; text-align: left; text-indent: 0in">Section 4.
<U>Liquidation Rights</U>.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 30.95pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 30.95pt">(a)&#9;<U>Voluntary
or Involuntary Liquidation</U>. In the event of any liquidation, dissolution or winding up of the affairs of the Corporation,
whether voluntary or involuntary, holders of Designated Preferred Stock shall be entitled to receive for each share of Designated
Preferred Stock, out of the assets of the Corporation or proceeds thereof (whether capital or surplus) available for distribution
to stockholders of the Corporation, subject to the rights of any creditors of the Corporation, before any distribution of such
assets or proceeds is made to or set aside for the holders of Common Stock and any other stock of the Corporation ranking junior
to Designated Preferred Stock as to such distribution, payment in full in an amount equal to the sum of (i) the Liquidation Amount
per share and (ii) the amount of any accrued and unpaid dividends (including, if applicable as provided in Section 3(a) above,
dividends on such amount), whether or not declared, to the date of payment (such amounts collectively, the &ldquo;<U>Liquidation
Preference</U>&rdquo;).</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 30.6pt">&nbsp;</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 30.6pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 30.6pt">(b)&#9;<U>Partial
Payment</U>. If in any distribution described in Section 4(a) above the assets of the Corporation or proceeds thereof are not
sufficient to pay in full the amounts payable with respect to all outstanding shares of Designated Preferred Stock and the
corresponding amounts payable with respect of any other stock of the Corporation ranking equally with Designated Preferred
Stock as to such distribution, holders of Designated Preferred Stock and the holders of such other stock shall share ratably
in any such distribution in proportion to the full respective distributions to which they are entitled.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 30.6pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 30.6pt">(c)&#9;<U>Residual
Distributions</U>. If the Liquidation Preference has been paid in full to all holders of Designated Preferred Stock and the corresponding
amounts payable with respect of any other stock of the Corporation ranking equally with Designated Preferred Stock as to such
distribution has been paid in full, the holders of other stock of the Corporation shall be entitled to receive all remaining assets
of the Corporation (or proceeds thereof) according to their respective rights and preferences.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 30.6pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 30.6pt">(d)&#9;<U>Merger,
Consolidation and Sale of Assets Not Liquidation</U>. For purposes of this Section 4, the merger or consolidation of the Corporation
with any other corporation or other entity, including a merger or consolidation in which the holders of Designated Preferred Stock
receive cash, securities or other property for their shares, or the sale, lease or exchange (for cash, securities or other property)
of all or substantially all of the assets of the Corporation, shall not constitute a liquidation, dissolution or winding up of
the Corporation.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 33.1pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 33.1pt; text-align: left; text-indent: 0in">Section 5.
<U>Redemption</U>.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 30.95pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 30.95pt">(a) <U>Optional
Redemption</U>. Except as provided below, the Designated Preferred Stock may not be redeemed prior to the first Dividend Payment
Date falling on or after the third anniversary of the Original Issue Date. On or after the first Dividend Payment Date falling
on or after the third anniversary of the Original Issue Date, the Corporation, at its option, subject to the approval of the Appropriate
Federal Banking Agency, may redeem, in whole or in part, at any time and from time to time, out of funds legally available therefor,
the shares of Designated Preferred Stock at the time outstanding, upon notice given as provided in Section 5(c) below, at a redemption
price equal to the sum of (i) the Liquidation Amount per share and (ii) except as otherwise provided below, any accrued and unpaid
dividends (including, if applicable as provided in Section 3(a) above, dividends on such amount) (regardless of whether any dividends
are actually declared) to, but excluding, the date fixed for redemption.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 29.9pt">&nbsp;</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 29.9pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 29.9pt">Notwithstanding
the foregoing, prior to the first Dividend Payment Date falling on or after the third anniversary of the Original Issue Date,
the Corporation, at its option, subject to the approval of the Appropriate Federal Banking Agency, may redeem, in whole or in
part, at any time and from time to time, the shares of Designated Preferred Stock at the time outstanding, upon notice given as
provided in Section 5(c) below, at a redemption price equal to the sum of (i) the Liquidation Amount per share and (ii) except
as otherwise provided below, any accrued and unpaid dividends (including, if applicable as provided in Section 3(a) above, dividends
on such amount) (regardless of whether any dividends are actually declared) to, but excluding, the date fixed for redemption;
<I>provided </I>that (x) the Corporation (or any successor by Business Combination) has received aggregate gross proceeds of not
less than the Minimum Amount (plus the &ldquo;Minimum Amount&rdquo; as defined in the relevant certificate of designations for
each other outstanding series of preferred stock of such successor that was originally issued to the United States Department
of the Treasury (the &ldquo;Successor Preferred Stock&rdquo;) in connection with the Troubled Asset Relief Program Capital Purchase
Program) from one or more Qualified Equity Offerings (including Qualified Equity Offerings of such successor), and (y) the aggregate
redemption price of the Designated Preferred Stock (and any Successor Preferred Stock) redeemed pursuant to this paragraph may
not exceed the aggregate net cash proceeds received by the Corporation (or any successor by Business Combination) from such Qualified
Equity Offerings (including Qualified Equity Offerings of such successor).</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 31.3pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 31.3pt">The redemption
price for any shares of Designated Preferred Stock shall be payable on the redemption date to the holder of such shares against
surrender of the certificate(s) evidencing such shares to the Corporation or its agent. Any declared but unpaid dividends payable
on a redemption date that occurs subsequent to the Dividend Record Date for a Dividend Period shall not be paid to the holder
entitled to receive the redemption price on the redemption date, but rather shall be paid to the holder of record of the redeemed
shares on such Dividend Record Date relating to the Dividend Payment Date as provided in Section 3 above.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 31.3pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 31.3pt">(b) <U>No Sinking
Fund</U>. The Designated Preferred Stock will not be subject to any mandatory redemption, sinking fund or other similar provisions.
Holders of Designated Preferred Stock will have no right to require redemption or repurchase of any shares of Designated Preferred
Stock.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 31.7pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 31.7pt">(c) <U>Notice
of Redemption</U>. Notice of every redemption of shares of Designated Preferred Stock shall be given by first class mail, postage
prepaid, addressed to the holders of record of the shares to be redeemed at their respective last addresses appearing on the books
of the Corporation. Such mailing shall be at least 30 days and not more than 60 days before the date fixed for redemption. Any
notice mailed as provided in this Subsection shall be conclusively presumed to have been duly given, whether or not the holder
receives such notice, but failure duly to give such notice by mail, or any defect in such notice or in the mailing thereof, to
any holder of shares of Designated Preferred Stock designated for redemption shall not affect the validity of the proceedings
for the redemption of any other shares of Designated Preferred Stock. Notwithstanding the foregoing, if shares of Designated Preferred
Stock are issued in book-entry form through The Depository Trust Corporation or any other similar facility, notice of redemption
may be given to the holders of Designated Preferred Stock at such time and in any manner permitted by such facility. Each notice
of redemption given to a holder shall state: (1) the redemption date; (2) the number of shares of Designated Preferred Stock to
be redeemed and, if less than all the shares held by such holder are to be redeemed, the number of such shares to be redeemed
from such holder; (3) the redemption price; and (4) the place or places where certificates for such shares are to be surrendered
for payment of the redemption price.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 30.95pt">&nbsp;</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 30.95pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 30.95pt">(d) <U>Partial
Redemption</U>. In case of any redemption of part of the shares of Designated Preferred Stock at the time outstanding, the shares
to be redeemed shall be selected either <I>pro rata </I>or in such other manner as the Board of Directors or a duly authorized
committee thereof may determine to be fair and equitable. Subject to the provisions hereof, the Board of Directors or a duly authorized
committee thereof shall have full power and authority to prescribe the terms and conditions upon which shares of Designated Preferred
Stock shall be redeemed from time to time. If fewer than all the shares represented by any certificate are redeemed, a new certificate
shall be issued representing the unredeemed shares without charge to the holder thereof.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 30.95pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 30.95pt">(e) <U>Effectiveness
of Redemption</U>. If notice of redemption has been duly given and if on or before the redemption date specified in the notice
all funds necessary for the redemption have been deposited by the Corporation, in trust for the <I>pro rata </I>benefit of the
holders of the shares called for redemption, with a bank or trust company doing business in the Borough of Manhattan, The City
of New York, and having a capital and surplus of at least $500 million and selected by the Board of Directors, so as to be and
continue to be available solely therefor, then, notwithstanding that any certificate for any share so called for redemption has
not been surrendered for cancellation, on and after the redemption date dividends shall cease to accrue on all shares so called
for redemption, all shares so called for redemption shall no longer be deemed outstanding and all rights with respect to such
shares shall forthwith on such redemption date cease and terminate, except only the right of the holders thereof to receive the
amount payable on such redemption from such bank or trust company, without interest. Any funds unclaimed at the end of three years
from the redemption date shall, to the extent permitted by law, be released to the Corporation, after which time the holders of
the shares so called for redemption shall look only to the Corporation for payment of the redemption price of such shares.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 31.3pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 31.3pt">(f) <U>Status
of Redeemed Shares</U>, Shares of Designated Preferred Stock that are redeemed, repurchased or otherwise acquired by the Corporation
shall revert to authorized but unissued shares of Preferred Stock <I>{provided </I>that any such cancelled shares of Designated
Preferred Stock may be reissued only as shares of any series of Preferred Stock other than Designated Preferred Stock).</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 30.6pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 30.6pt">Section 6. <U>Conversion</U>.
Holders of Designated Preferred Stock shares shall have no right to exchange or convert such shares into any other securities.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 30.95pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 30.95pt; text-align: left; text-indent: 0in">Section
7. <U>Voting Rights</U>.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 30.95pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 30.95pt">(a) <U>General</U>.
The holders of Designated Preferred Stock shall not have any voting rights except as set forth below or as otherwise from time
to time required by law.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 30.95pt">&nbsp;</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 30.95pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 30.95pt">(b) <U>Preferred
Stock Directors</U>. Whenever, at any time or times, dividends payable on the shares of Designated Preferred Stock have not
been paid for an aggregate of six quarterly Dividend Periods or more, whether or not consecutive, the authorized number of
directors of the Corporation shall automatically be increased by two and the holders of the Designated Preferred Stock shall
have the right, with holders of shares of any one or more other classes or series of Voting Parity Stock outstanding at the
time, voting together as a class, to elect two directors (hereinafter the &ldquo;<U>Preferred Directors</U>'' and each a
&ldquo;<U>Preferred Director</U>&rdquo;) to fill such newly created directorships at the Corporation&rsquo;s next annual
meeting of stockholders (or at a special meeting called for that purpose prior to such next annual meeting) and at each
subsequent annual meeting of stockholders until all accrued and unpaid dividends for all past Dividend Periods, including the
latest completed Dividend Period (including, if applicable as provided in Section 3(a) above, dividends on such amount), on
all outstanding shares of Designated Preferred Stock have been declared and paid in full at which time such right shall
terminate with respect to the Designated Preferred Stock, except as herein or by law expressly provided, subject to revesting
in the event of each and every subsequent default of the character above mentioned; <I>provided </I>that it shall be a
qualification for election for any Preferred Director that the election of such Preferred Director shall not cause the
Corporation to violate any corporate governance requirements of any securities exchange or other trading facility on which
securities of the Corporation may then be listed or traded that listed or traded companies must have a majority of
independent directors. Upon any termination of the right of the holders of shares of Designated Preferred Stock and Voting
Parity Stock as a class to vote for directors as provided above, the Preferred Directors shall cease to be qualified as
directors, the term of office of all Preferred Directors then in office shall terminate immediately and the authorized number
of directors shall be reduced by the number of Preferred Directors elected pursuant hereto. Any Preferred Director may be
removed at any time, with or without cause, and any vacancy created thereby may be filled, only by the affirmative vote of
the holders a majority of the shares of Designated Preferred Stock at me time outstanding voting separately as a class
together with the holders of shares of Voting Parity Stock, to the extent the voting rights of such holders described above
are then exercisable. If the office of any Preferred Director becomes vacant for any reason other than removal from office as
aforesaid, the remaining Preferred Director may choose a successor who shall hold office for the unexpired term in respect of
which such vacancy occurred.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 31.3pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 31.3pt">(c) <U>Class Voting
Rights as to Particular Matters</U>. So long as any shares of Designated Preferred Stock are outstanding, in addition to any other
vote or consent of stockholders required by law or by the Charter, the vote or consent of the holders of at least 66 2/3% of the
shares of Designated Preferred Stock at the time outstanding, voting as a separate class, given in person or by proxy, either
in<I> </I>writing without a meeting or by vote at any meeting called for the purpose, shall be necessary for effecting or validating;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 30.95pt; text-align: justify; text-indent: 30.95pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 30.95pt; text-align: justify; text-indent: 30.95pt">(i)
<U>Authorization of Senior Stock</U>. Any amendment or alteration of the Certificate of Designations for the Designated Preferred
Stock or the Charter to authorize or create or increase the authorized amount of, or any issuance of, any shares of, or any securities
convertible into or exchangeable or exercisable for shares of, any class or series of capital stock of the Corporation ranking
senior to Designated Preferred Stock with respect to either or both the payment of dividends and/or the distribution of assets
on any liquidation, dissolution or winding up of the Corporation;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 30.95pt; text-align: justify; text-indent: 30.6pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 30.95pt; text-align: justify; text-indent: 30.6pt">(ii)
<U>Amendment of Designated Preferred Stock</U>. Any amendment, alteration or repeal of any provision of the Certificate of Designations
for the Designated Preferred Stock or the Charter (including, unless no vote on such merger or consolidation is required by Section
7(c)(iii) below, any amendment, alteration or repeal by means of a merger, consolidation or otherwise) so as to adversely affect
the rights, preferences, privileges or voting powers of the Designated Preferred Stock; or</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 31.3pt; text-align: justify; text-indent: 31.3pt">&nbsp;</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 31.3pt; text-align: justify; text-indent: 31.3pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 31.3pt; text-align: justify; text-indent: 31.3pt">(iii)
<U>Share Exchanges, Reclassifications, Mergers and Consolidations</U>. Any consummation of a binding share exchange or reclassification
involving the Designated Preferred Stock, or of a merger or consolidation of the Corporation with another corporation or other
entity, unless in each case (x) the shares of Designated Preferred Stock remain outstanding or, in the case of any such merger
or consolidation with respect to which the Corporation is not the surviving or resulting entity, are converted into or exchanged
for preference securities of<B> </B>the surviving or resulting entity or its ultimate parent, and (y) such shares remaining outstanding
or such preference securities, as the case may be, have such rights, preferences, privileges and voting powers, and limitations
and restrictions thereof, taken as a whole, as are not materially less favorable to the holders thereof than the rights, preferences,
privileges and voting powers, and limitations and restrictions thereof, of Designated Preferred Stock immediately prior to such
consummation, taken as a whole;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><I>&nbsp;</I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><I>provided, however, </I>that for
all purposes of this Section 7(c), any increase in the amount of the authored Preferred Stock, including any increase in the authorized
amount of Designated Preferred Stock necessary to satisfy preemptive or similar rights granted by the Corporation to other persons
prior to the Signing Date, or the creation and issuance, or an increase <I>in </I>the authorized or issued amount, whether pursuant
to preemptive or similar rights or otherwise, of any other series of Preferred Stock, or any securities convertible into or exchangeable
or exercisable for any other series of Preferred Stock, ranking equally with and/or junior to Designated Preferred Stock with
respect to the payment of dividends (whether such dividends are cumulative or non-cumulative) and the distribution of assets upon
liquidation, dissolution or winding up of the Corporation will not be deemed to adversely affect the rights, preferences, privileges
or voting powers, and shall not require the affirmative vote or consent of, the holders of outstanding shares of the Designated
Preferred Stock.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 30.95pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 30.95pt">(d) <U>Changes
after Provision for Redemption</U>. No vote or consent of the holders of Designated Preferred Stock shall be required pursuant
to Section 7(c) above if, at or prior to the time when any such vote or consent would otherwise be required pursuant to such Section,
all outstanding shares of the Designated Preferred Stock shall have been redeemed, or shall have been called for redemption upon
proper notice and sufficient funds shall have been deposited in trust for such redemption, in each case pursuant to Section 5
above.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 30.95pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 30.95pt">(e) <U>Procedures
for Voting and Consents</U>. The rules and procedures for calling and conducting any meeting of the holders of Designated Preferred
Stock (including, without limitation, the fixing of a record date in connection therewith), the solicitation and use of proxies
at such a meeting, the obtaining of written consents and any other aspect or matter with regard to such a meeting or such consents
shall be governed by any rules of the Board of Directors or any duly authorized committee of the Board of Directors, in its discretion,
may adopt from time to time, which rules and procedures shall conform to the requirements of the Charter, the Bylaws, and applicable
law and the rules of any national securities exchange or other trading facility on which Designated Preferred Stock is listed
or traded at the time.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 31.3pt">&nbsp;</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 31.3pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 31.3pt">Section 8. <U>Record
Holders</U>. To the fullest extent permitted by applicable law, the Corporation and the transfer agent for Designated Preferred
Stock may deem and treat the record holder of any share of Designated Preferred Stock as the true and lawful owner thereof for
all purposes, and neither the Corporation nor such transfer agent shall be affected by any notice to the contrary.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 30.95pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 30.95pt">Section 9. <U>Notices</U>.
All notices or communications in respect of Designated Preferred Stock shall be sufficiently given if given in writing and delivered
in person or by first class mail, postage prepaid, or if given in such other manner as may be permitted in this Certificate of
Designations, in the Charter or Bylaws or by applicable law. Notwithstanding the foregoing, if shares of Designated Preferred
Stock are issued in book-entry form through The Depository Trust Corporation or any similar facility, such notices may be given
to the holders of Designated Preferred Stock in any manner permitted by such facility.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 30.95pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 30.95pt">Section 10. <U>No
Preemptive Rights</U>. No share of Designated Preferred Stock shall have any rights of preemption whatsoever as to any securities
of the Corporation, or any warrants, rights or options issued or granted with respect thereto, regardless of how such securities,
or such warrants, rights or options, may be designated, issued or granted.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 30.95pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 30.95pt">Section 11<U>.
Replacement Certificates</U>. The Corporation shall replace any mutilated certificate at the holder's expense upon surrender of
that certificate to the Corporation. The Corporation shall replace certificates that become destroyed, stolen or lost at the holder's
expense upon delivery to the Corporation of reasonably satisfactory evidence that the certificate has been destroyed, stolen or
lost, together with any indemnity that may be reasonably required by the Corporation.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 31.3pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 31.3pt">Section 12. <U>Other
Rights</U>. The shares of Designated Preferred Stock shall not have any rights, preferences, privileges or voting powers or relative,
participating, optional or other special rights, or qualifications, limitations or restrictions thereof, other than as set forth
herein or in the Charter or as provided by applicable law.&rdquo;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 31.3pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 31.3pt">3. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Certificate of Incorporation of the Corporation is hereby amended so that the designation and number of shares of the Fixed Rate
Cumulative Perpetual Preferred Stock, Series A, no par value per share, acted upon in the resolutions set forth in Section 2 hereof,
and the relative rights, preferences and limitations of such shares, are as stated in the above resolutions.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 31.3pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left"></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-indent: 31.7pt; text-align: justify"><B>IN
WITNESS WHEREOF, </B>the undersigned corporation has<I> </I>caused this Certificate of Amendment to<FONT STYLE="font-variant: small-caps">
</FONT>be executed on its behalf by its duly authorized officer this 8th day of January, 2009.&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">CENTER BANCORP, INC.</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 4%">&nbsp;</TD>
    <TD STYLE="width: 30%">&nbsp;</TD>
    <TD STYLE="width: 16%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>By:&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid">/s/ Anthony C. Weagley</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Anthony C. Weagley, President</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>C3071/1</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>01/07/2009 10480792.3</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>


<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left"></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><B><I>STATE OF
NEW JERSEY</I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><B><I>DEPARTMENT
OF THE TREASURY</I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><B><I>FILING CERTIFICATION
(CERTIFIED COPY)</I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><B><I>CENTER BANCORP,
INC.</I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><B><I>0100181324</I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-indent: 20.15pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-indent: 20.15pt"><I>I, the Treasurer of the State of
New Jersey, do hereby certify, that the above named business did file and record in this department the below listed document(s)
and that the foregoing is a true copy of the Certificate Of Amendment as the same is taken from and compared with the original(s)
filed in this office on the date set forth on each instrument and now remaining on file and of record in my office.</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in; text-align: justify"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center">&nbsp;<img src="seal.jpg"></TD>
    <TD STYLE="font-size: 10pt; font-style: italic; text-align: left; vertical-align: bottom"><I>IN TESTIMONY WHEREOF, I have hereunto set my hand and affixed my Official Seal at Trenton, this 31st day of August, 2011</I>&nbsp;&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt; font-style: italic">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt; font-style: italic; text-align: left; vertical-align: bottom"><I>/s/ Andrew P Sidamon-Eristoff&nbsp;&nbsp;</I></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt; font-style: italic; text-align: left; vertical-align: middle"><I>Andrew P Sidamon-Eristoff</I>&nbsp;&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 55%">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><I>Certificate Number:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;121440020
        </I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><I>Verify this certificate online at</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><I>https://wwwl.state.nj.us/TYTR_StandingCert/JSP/Verify_Cert.jsp</I></P></TD>
    <TD STYLE="width: 45%; font-size: 10pt; font-style: italic">State Treasurer&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in; text-align: justify">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0pt; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0pt; text-align: left"></P>

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    <TD STYLE="width: 30%; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 40%; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 30%; text-align: center">AMC<BR>
FILED</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD NOWRAP STYLE="text-align: center">JUN 17 2010</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD NOWRAP STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>CERTIFICATE OF AMENDMENT</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>OF THE</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>CERTIFICATE OF INCORPORATION</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>OF</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>CENTER BANCORP, INC.</B></P></TD>
    <TD NOWRAP STYLE="text-align: center">STATE TREASURER<BR>
0100181324</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0pt; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0pt; text-align: center"><B>Pursuant to Sections
I4A:9-2(4) and 14A:9-4<FONT STYLE="font-variant: small-caps">(3)</FONT></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>of the New Jersey Business Corporation Act</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Dated: June 16, 2010</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 31.7pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 31.7pt">The undersigned corporation,
having adopted an amendment to its certificate of incorporation pursuant to Sections I4A:9-2(4) and Section 14A:9-4(3) of the
New Jersey Business Corporation Act, hereby certifies that:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.45in">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The name of
the corporation is Center Bancorp, Inc. (the &ldquo;Corporation&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 64.1pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 48.95pt">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Article
Fourth of the Corporation&rsquo;s certificate of incorporation is amended to provide in its entirety as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.45in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.45in">&ldquo;Fourth: <U>Capitalization</U>. The
total number of shares of stock which the Corporation shall have authority to issue is Thirty Million (30,000,000) shares, of
which Twenty-Five Million (25,000,000) shares are designated as Common Stock, no par value (&ldquo;Common Stock&rdquo;), and Five
Million (5,000,000) shares are designated as Preferred Stock, no par value (&ldquo;Preferred Stock&rdquo;). The board of directors
is authorized to issue the Preferred Stock from time to time in one or more classes or series thereof, each such class or series
to have voting powers (if any), conversion rights (if any), designations, preferences and relative, participating, optional or
other special rights, and such qualifications, limitations or restrictions thereof, as shall be determined by the board of directors
and stated and expressed in a resolution or resolutions thereof providing for the issuance of such Preferred Stock. Shares of
the authorized capital stock may be issued from time to time for such consideration as may be fixed from time to time by the Board
of Directors. Subject to the powers, preferences and rights of any Preferred Stock, including any class or series thereof, having
preferences or priority over, or rights superior to, the Common Stock and except as otherwise provided by law, the holders of
the Common Stock shall have and possess all powers and voting and other rights pertaining to the stock of the Corporation. In
furtherance of the immediately preceding sentence:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 33.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 33.5pt">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>General</U>.
All shares of Common Stock will be identical and will entitle the holders thereof to the same rights and privileges. The voting,
dividend, liquidation and other rights of the holders of the Common Stock are subject to, and qualified by, the rights of the
holders of the Preferred Stock, if any.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 31.7pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 33.5pt">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Voting</U>.
The holders of Common Stock will be entitled to one vote per share on all matters to be voted on by the Corporation's stockholders,
except as otherwise required by law. Except as provided by law or this Certificate of Incorporation, holders of Common Stock shall
vote together with the holders of Preferred Stock as a single class on all matters. There shall be no cumulative voting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; text-align: left; margin-bottom: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; text-align: left; margin-bottom: 0">2306651 4173060</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; text-align: left; margin-bottom: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; text-align: left; margin-bottom: 0">C3071/1</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; text-align: left; margin-bottom: 0">06/16/2010 10476886.3</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; text-align: left; margin-bottom: 0">&nbsp;<B>&nbsp;</B></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-indent: 32.05pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-indent: 32.05pt">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Dividends</U>.
Dividends may be declared and paid on the Common Stock from funds lawfully available therefor if, as and when determined by the
Board of Directors in its sole discretion, subject to provisions of law, the provisions of this Certificate of Incorporation,
and the relative rights and preferences of any shares of Preferred Stock authorized and issued hereunder.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-indent: 32.05pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-indent: 32.05pt">4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Liquidation</U>.
In the event of any liquidation, dissolution or winding up of the affairs of the Corporation, the holders of the Common Stock
shall be entitled, subject to the rights and preferences, if any, of any holders of shares of Preferred Stock authorized and issued
hereunder, to share, ratably in proportion to the number of shares of Common Stock held by them, in the remaining assets of the
Corporation available for distribution to its stockholders.&rdquo;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-indent: 32.05pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 31.7pt">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
date the amendment to the certificate of incorporation was adopted by the shareholders of the Corporation was June 16, 2010.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 31.7pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 31.7pt">4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A
total of 14,574,832 shares of the Corporation's Common Stock were entitled to vote on the above-mentioned amendment.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 31.7pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 31.7pt">5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A
total of 11,480,242 shares of the Corporation's Common Stock voted for the above-mentioned amendment and a total of 1,374,641
shares of the Corporation's Common Stock voted against the above-mentioned amendment.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 31.7pt"><B>&nbsp;</B></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-indent: 31.7pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-indent: 31.7pt; text-align: justify"><B>IN WITNESS WHEREOF, </B>the undersigned
corporation has caused this certificate to be executed on its behalf by its duly authorized officer as of the date first above
written.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">CENTER BANCORP, INC.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 4%">&nbsp;</TD>
    <TD STYLE="width: 36%">&nbsp;</TD>
    <TD STYLE="width: 10%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>By:</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid">/s/ Anthony C. Weagley</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">Anthony C. Weagley</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">President and Chief Executive Officer</TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><I>&nbsp;</I></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><I>&nbsp;</I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B><I>STATE OF NEW JERSEY</I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B><I>DEPARTMENT OF THE TREASURY</I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B><I>FILING CERTIFICATION (CERTIFIED
COPY)</I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B><I>CENTER BANCORP, INC.</I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B><I>0100181324</I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-indent: 19.8pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-indent: 19.8pt"><I>I, the Treasurer of the State of
New Jersey, do hereby certify, that the above named business did file and record in this department the below listed document(s)
and that the foregoing is a true copy of the Certificate Of Amendment as the same is taken from and compared with the original(s)
filed in this office on the date set forth on each instrument and now remaining on file and of record in my office.</I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; text-align: left; margin-bottom: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; text-align: left; margin-bottom: 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-family: Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center">&nbsp;<img src="seal.jpg"></TD>
    <TD STYLE="font-size: 10pt; font-style: italic; text-align: left; vertical-align: bottom"><I>IN TESTIMONY WHEREOF, I have hereunto set my hand and affixed my Official Seal at Trenton, this 31st day of August, 2011</I>&nbsp;&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt; font-style: italic">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt; font-style: italic; text-align: left; vertical-align: bottom">/s/ Andrew P Sidamon-Eristoff&nbsp;&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font-size: 10pt; font-style: italic; text-align: left; vertical-align: middle">Andrew P Sidamon-Eristoff&nbsp;&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 55%">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><I>Certificate Number:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;121439970</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><I>Verify this certificate online at</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><I>https://www1.state.nj.us/TYTR_StandingCert/JSP/Verify_Cert.jsp</I></P></TD>
    <TD STYLE="width: 45%; font-size: 10pt; font-style: italic">State Treasurer&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; text-align: left; margin-bottom: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; text-align: left; margin-bottom: 0"></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 30%; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 40%; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 30%; text-align: center">AMC<BR>
FILED</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD NOWRAP STYLE="text-align: center">SEP 13 2011</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD NOWRAP STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>CERTIFICATE OF AMENDMENT</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>OF THE</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>CERTIFICATE OF INCORPORATION</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>OF</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>CENTER BANCORP, INC.</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>(Pursuant to N. J. S. A. 14A: 7-2(4))</B></P></TD>
    <TD NOWRAP STYLE="text-align: center">STATE TREASURER<BR>
0100181324</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0pt; margin-left: 0in; text-indent: 0in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36.35pt">Pursuant to N.J.S.A.
14A:7-2(4) and N.J.S.A. 14A:9-4(2), the undersigned corporation hereby certifies as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 37.1pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 37.1pt">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
name of the corporation is Center Bancorp, Inc. (the &ldquo;<U>Corporation</U>&rdquo;&rsquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 37.1pt"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 37.1pt">2<I>.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</I>The
board of directors of the Corporation (the &ldquo;<U>Board of Directors</U>&rdquo;), in accordance with the Certificate of Incorporation
and the Amended and Restated By-laws of the Corporation and applicable law, duly adopted the following resolutions on September
13, 2011 creating a series of eleven thousand two hundred and fifty (11,250) shares of Preferred Stock of the Corporation designated
as &ldquo;<U>Senior Non-Cumulative Perpetual Preferred Stock, Series B</U>.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 37.1pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 37.1pt"><B>RESOLVED, </B>that
pursuant to the provisions of the Certificate of Incorporation and the Amended and Restated By-laws of the Corporation and applicable
law, a series of Senior Non-Cumulative Perpetual Preferred Stock, Series B, no par value, of the Corporation be and hereby is created;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36.35pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36.35pt"><B>RESOLVED, </B>that
the officers of the Corporation be, and each of them hereby is, authorized, empowered and directed to file with the Department
of the Treasury, State of New Jersey, a Certificate of Amendment to the Corporation's Certificate of Incorporation to amend Article
Fourth thereof to include a new section 6 which sets forth the designation and number of shares of such series, and the voting
and other powers, preferences and relative, participating, optional or other rights, and the qualifications, limitations and restrictions
thereof, of the shares of such series, as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 37.1pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 37.1pt">Section 6. <I>Senior Non-Cumulative Perpetual Preferred
Stock, Series B</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.1pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.1pt">Part 1. <U>Designation
and Number of Shares</U>.&nbsp;&nbsp;&nbsp;&nbsp;There is hereby created out of the authorized and unissued shares of preferred
stock of Center Bancorp, Inc. (for purposes of this Section 6, the &ldquo;<U>Issuer</U>&rdquo;) a series of preferred stock designated
as the &ldquo;Senior Non-Cumulative Perpetual Preferred Stock, Series B&rdquo; (the &ldquo;<U>Designated Preferred Stock</U>&rdquo;).
The authorized number of shares of Designated Preferred Stock shall be 11,250.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.45pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.1pt">Part 2. <U>Standard Provisions</U>.&nbsp;&nbsp;&nbsp;&nbsp;The
Standard Provisions contained in <U>Schedule A </U>below are incorporated herein by reference in their entirety and shall be deemed
to be a part of this Certificate of Amendment (the &ldquo;<U>Certificate of Designation</U>&rdquo;') to the same extent as if
such provisions had been set forth in full herein.&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left">BA0.278967</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left">SBLF Participant No. 0502</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.1pt">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.1pt">Part 3. <U>Definitions</U>.
The following terms are used in this Certificate of Designation (including the Standard Provisions in <U>Schedule A</U> hereto)
as defined below:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 73.45pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 73.45pt; text-align: left; text-indent: 0in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<U>Common
Stock</U>&rdquo; means the common stock, no par value, of the Issuer.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.45pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.45pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<U>Definitive
Agreement</U>&rdquo; means that certain Securities Purchase Agreement by and between Issuer and Treasury, dated as of the Signing
Date.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.45pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.45pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<U>Junior
Stock</U>&rdquo; means the Common Stock and any other class or series of stock of the Issuer the terms of which expressly provide
that it ranks junior to Designated Preferred Stock as to dividend and redemption rights and/or as to rights on liquidation, dissolution
or winding up of the Issuer.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 73.45pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 73.45pt; text-align: left; text-indent: 0in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<U>Liquidation
Amount</U>&rdquo; means $1,000 per share of Designated Preferred Stock.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.45pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.45pt">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<U>Minimum
Amount</U>&rdquo; means (i) the amount equal to twenty-five percent (25%) of the aggregate Liquidation Amount of Designated Preferred
Stock issued on the Original Issue Date or (ii) all of the outstanding Designated Preferred Stock, if the aggregate liquidation
preference of the outstanding Designated Preferred Stock is less than the amount set forth in the preceding clause (i).</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.45pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.45pt">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<U>Parity
Stock</U>&rdquo; means any class or series of stock of the Issuer (other than Designated Preferred Stock) the terms of which do
not expressly provide that such class or series will rank senior or junior to Designated Preferred Stock as to dividend rights
and/or as to rights on liquidation, dissolution or winding up of the Issuer (in each case without regard to whether dividends
accrue cumulatively or non-cumulatively). Without limiting the foregoing, Parity Stock shall include the Issuer's Fixed Rate Cumulative
Perpetual Preferred Stock, Series A.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 73.45pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 73.45pt; text-align: left; text-indent: 0in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<U>Signing
Date</U>&rdquo; means September 15, 2011.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.45pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.45pt">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<U>Treasury</U>&rdquo;
means the United States Department of the Treasury and any successor in interest thereto.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.1pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.1pt">Part 4. <U>Certain
Voting Matters</U>. Holders of shares of Designated Preferred Stock will be entitled to one vote for each such share on any matter
on which holders of Designated Preferred Stock are entitled to vote, including any action by written consent.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left">SBLF
Participant No. 0502</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left">&nbsp;</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0in"><B>Schedule A</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0in"><B>STANDARD PROVISIONS</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 72.7pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 72.7pt">Section 1. <U>General
Matters</U>.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each share of Designated Preferred Stock shall be identical in all respects to every other share of Designated Preferred
Stock. The Designated Preferred Stock shall be perpetual, subject to the provisions of Section 5 of these Standard Provisions
that form a part of the Certificate of Designation. The Designated Preferred Stock shall rank equally with Parity Stock and shall
rank senior to Junior Stock with respect to the payment of dividends and the distribution of assets in the event of any dissolution,
liquidation or winding up of the Issuer, as set forth below.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.45pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.45pt">Section 2.&nbsp;<I>
</I><U>Standard Definitions</U>.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As used herein with respect to Designated Preferred Stock:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.45pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.45pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<U>Acquiror</U>,&rdquo;
in any Holding Company Transaction, means the surviving or resulting entity or its ultimate parent in the case of a merger or
consolidation or the transferee in the case of a sale, lease or other transfer in one transaction or a series of related transactions
of all or substantially all of the consolidated assets of the Issuer and its subsidiaries, taken as a whole.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.45pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.45pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<U>Affiliate</U>&rdquo;
means, with respect to any person, any person directly or indirectly controlling, controlled by or under common control with,
such other person. For purposes of this definition, &ldquo;<U>control</U>&rdquo; (including, with correlative meanings, the terms
&ldquo;<U>controlled by</U>&rdquo; and &ldquo;<U>under common control with</U>&rdquo;) when used with respect to any person, means
the possession, directly or indirectly through one or more intermediaries, of the power to cause the direction of management and/or
policies of such person, whether through the ownership of voting securities by contract or otherwise.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 73.45pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 73.45pt; text-align: left; text-indent: 0in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<U>Applicable
Dividend Rate</U>&rdquo; has the meaning set forth in Section 3(a).</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.45pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.45pt">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<U>Appropriate
Federal Banking Agency</U>&rdquo; means the &ldquo;appropriate Federal banking agency&rdquo; with respect to the Issuer as defined
in Section 3(q) of the Federal Deposit Insurance Act (12 U.S.C. Section 1813(q)), or any successor provision.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.45pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.45pt">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<U>Bank
Holding Company</U>&rdquo; means a company registered as such with the Board of Governors of the Federal Reserve System pursuant
to 12 U.S.C. &sect;1842 and the regulations of the Board of Governors of the Federal Reserve System thereunder.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.8pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.8pt">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<U>Baseline</U>&rdquo;
means the &ldquo;Initial Small Business Lending Baseline&rdquo; set forth on the Initial Supplemental Report (as defined in the
Definitive Agreement), subject to adjustment pursuant to Section 3(a).</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 74.15pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 74.15pt">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<U>Business
Combination</U>&rdquo; means a merger, consolidation, statutory share exchange or similar transaction that requires the approval
of the Issuer's stockholders.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0in">C3071/1</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0in">09/13/2011 18289959.5</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0in">&nbsp;</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0in"></P>
<P STYLE="margin: 0"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 20.9pt; text-align: justify; text-indent: 73.1pt"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 20.9pt; text-align: justify; text-indent: 73.1pt">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;"<U>Business
Day</U>&quot; means any day except Saturday, Sunday and any day on which banking institutions in the State of New York or the District
of Columbia generally are authorized or required by law or other governmental actions to close.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 20.9pt; text-align: justify; text-indent: 73.1pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 20.9pt; text-align: justify; text-indent: 73.45pt"><FONT STYLE="font-weight: normal; letter-spacing: 0pt">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&quot;<U>Bylaws</U>&quot;
means the bylaws of the Issuer, as they may be amended from time to time.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 93.95pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 93.95pt; text-align: left; text-indent: 0in">(j)<FONT STYLE="font-weight: normal; letter-spacing: 0pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&quot;<U>Call Report</U>&quot; has the meaning set forth in the Definitive Agreement.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 20.9pt; text-align: justify; text-indent: 73.1pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 20.9pt; text-align: justify; text-indent: 73.1pt">(k)<FONT STYLE="font-weight: normal; letter-spacing: 0pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&quot;<U>Certificate
of Designation</U>&quot; means the Certificate of Designation or comparable instrument relating to the Designated Preferred Stock,
of which these Standard Provisions form a part, as it may be amended from time to time.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 20.5pt; text-align: justify; text-indent: 73.45pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 20.5pt; text-align: justify; text-indent: 73.45pt">(l)<FONT STYLE="font-weight: normal; letter-spacing: 0pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&quot;<U>Charge-Offs</U>&quot;
means the net amount of loans charged off by the Issuer or, if the Issuer is a Bank Holding Company or a Savings and Loan Holding
Company, by the IDI Subsidiary(ies) during quarters that begin on or after the Signing Date, determined as follows:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.6in; text-align: justify; text-indent: 74.15pt">&nbsp;(i)<FONT STYLE="font-weight: normal; letter-spacing: -0.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>if
the Issuer or the applicable IDI Subsidiary is a bank, by subtracting (A) the aggregate dollar amount of recoveries reflected on
line RIAD4605 of its Call Reports for such quarters from (B) the aggregate dollar amount of charge-offs reflected on line RIAD4635
of its Call Reports for such quarters (without duplication as a result of such dollar amounts being reported on a year-to-date
basis); or</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.6in; text-align: justify; text-indent: 74.15pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.6in; text-align: justify; text-indent: 74.15pt">&nbsp;(ii)<FONT STYLE="font-weight: normal; letter-spacing: -0.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>if
the Issuer or the applicable IDI Subsidiary is a thrift, by subtracting (A) the sum of the aggregate dollar amount of recoveries
reflected on line VA140 of its Call Reports for such quarters and the aggregate dollar amount of adjustments reflected on line
VA150 of its Call Reports for such quarters from (B) the aggregate dollar amount of charge-offs reflected on line VAI60 of its
Call Reports for such quarters.</P>



<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 56.15pt; text-align: justify; text-indent: 74.15pt"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 19.8pt; text-align: justify; text-indent: 73.1pt">(m)<FONT STYLE="font-weight: normal; letter-spacing: 0pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&quot;<U>Charter</U>&quot;
means the Issuer's certificate or articles of incorporation, articles of association, or similar organizational document.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 19.8pt; text-align: justify; text-indent: 73.1pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 92.9pt; text-align: left; text-indent: 0in">(n)<FONT STYLE="font-weight: normal; letter-spacing: 0pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&quot;<U>CPP
Lending Incentive Fee</U>&quot; has the meaning set forth in Section 3(e).</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 92.9pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 92.9pt; text-align: left; text-indent: 0in">(o)<FONT STYLE="font-weight: normal; letter-spacing: 0pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&quot;<U>Current
Period</U>&quot; has the meaning set forth in Section 3(a)(i)(2).</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 92.9pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 93.25pt; text-align: left; text-indent: 0in">(p)<FONT STYLE="font-weight: normal; letter-spacing: 0pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&quot;<U>Dividend
Payment Date</U>&quot; means January 1, April 1, July 1, and October 1 of each year.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 19.8pt; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 19.8pt; text-align: justify; text-indent: 73.1pt">(q)<FONT STYLE="font-weight: normal; letter-spacing: 0pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&quot;<U>Dividend
Period</U>&quot; means the period from and including any Dividend Payment Date to, but excluding, the next Dividend Payment Date;
<I>provided, however, </I>the initial Dividend Period shall be the period from and including the Original Issue Date to, but excluding,
the next Dividend Payment Date (the &quot;<U>Initial Dividend Period</U>&quot;).</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 93.25pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 93.25pt; text-align: left; text-indent: 0in">(r)<FONT STYLE="font-weight: normal; letter-spacing: 0pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&quot;<U>Dividend
Record Date</U>&quot; has the meaning set forth in Section 3(b).</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left">SBLF
Participant No. 0502</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left">&nbsp;&nbsp;</P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1.3in; text-align: justify">(s)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&quot;<U>Dividend
Reference Period</U>&quot; has the meaning set forth in Section 3(a)(i)(2).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1.3in; text-align: justify">(t)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&quot;<U>GAAP</U>&quot;
means generally accepted accounting principles in the United States.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1.3in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1.3in; text-align: justify">(u)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&quot;<U>Holding
Company Preferred Stock</U>&quot; has the meaning set forth in Section 7<FONT STYLE="letter-spacing: -1pt">(d)(v).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1.3in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: justify"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 20.15pt; text-align: justify; text-indent: 73.45pt">(v)<FONT STYLE="font-weight: normal; letter-spacing: -0.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&quot;<U>Holding
Company Transaction</U>&quot; means the occurrence of (a) any transaction (including, without limitation, any acquisition, merger
or consolidation) the result of which is that a &quot;person&quot; or &quot;group&quot; within the meaning of Section 13(d) of
the Securities Exchange Act of 1934, as amended, (i) becomes the direct or indirect ultimate &quot;beneficial owner,&quot; as defined
in Rule 13d-3 under that Act, of common equity of the Issuer representing more than 50% of the voting power of the outstanding
Common Stock or (ii) is otherwise required to consolidate the Issuer for purposes of generally accepted accounting principles in
the United States, or (b) any consolidation or merger of the Issuer or similar transaction or any sale, lease or other transfer
in one transaction or a series of related transactions of all or substantially all of the consolidated assets of the Issuer and
its subsidiaries, taken as a whole, to any Person other than one of the Issuer's subsidiaries; <I>provided </I>that, in the case
of either clause (a) or (b), the Issuer or the Acquiror is or becomes a Bank Holding Company or Savings and Loan Holding Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 72.35pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 20.15pt; text-indent: 73.45pt; text-align: justify">(w)<FONT STYLE="font-weight: normal; letter-spacing: -0.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&quot;<U>IDI
Subsidiary</U>&quot; means any Issuer Subsidiary that is an insured depository institution.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 72.7pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 20.15pt; text-indent: 73.45pt; text-align: justify">(x)<FONT STYLE="font-weight: normal; letter-spacing: -0.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&quot;<U>Increase
in QSBL</U>&quot; means:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 36.35pt; text-align: justify; text-indent: 73.1pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.7in; text-align: justify; text-indent: 73.44pt">(i)<FONT STYLE="font-weight: normal; letter-spacing: -0.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>with
respect to the first (1st) Dividend Period, the difference obtained by subtracting (A) the Baseline from (B) QSBL set forth in
the Initial Supplemental Report (as defined in the Definitive Agreement); and</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 36.35pt; text-align: justify; text-indent: 73.1pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.7in; text-align: justify; text-indent: 73.45pt">(ii)<FONT STYLE="font-weight: normal; letter-spacing: -0.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>with
respect to each subsequent Dividend Period, the difference obtained by subtracting (A) the Baseline from (B) QSBL for the Dividend
Reference Period for the Current Period.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 72.7pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 20.15pt; text-align: justify; text-indent: 73.45pt">(y)<FONT STYLE="font-weight: normal; letter-spacing: -0.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&quot;<U>Initial
Dividend Period</U>&quot; has the meaning set forth in the definition of &quot;Dividend Period&quot;.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 73.1pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 20.15pt; text-indent: 73.45pt; text-align: justify">(z)<FONT STYLE="font-weight: normal; letter-spacing: -0.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&quot;<U>Issuer
Subsidiary&quot;</U> means any subsidiary of the Issuer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 73.1pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 20.15pt; text-indent: 73.45pt; text-align: justify">(aa)<FONT STYLE="font-weight: normal; letter-spacing: -0.5pt">&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&quot;<U>Liquidation
Preference</U>&quot; has the meaning set forth in Section 4(a).</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 72.35pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 20.15pt; text-align: justify; text-indent: 73.45pt">(bb)<FONT STYLE="font-weight: normal; letter-spacing: -0.5pt">&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&quot;<U>Non-Qualifying
Portion Percentage</U>&quot; means, with respect to any particular Dividend Period, the percentage obtained by subtracting the
Qualifying Portion Percentage from one (1).</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left">SBLF
Participant No. 0502&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left">&nbsp;</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 20.15pt; text-align: justify; text-indent: 73.45pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 20.15pt; text-align: justify; text-indent: 73.45pt">(cc)<FONT STYLE="font-weight: normal; letter-spacing: -0.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&quot;<U>Original
Issue Date&quot;</U> means the date on which shares of Designated Preferred Stock are first issued.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 20.15pt; text-align: right; text-indent: 73.45pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 20.15pt; text-align: left; text-indent: 73.45pt">(dd)<FONT STYLE="font-weight: normal; letter-spacing: -0.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&quot;<U>Percentage
Change in QSBL</U>&quot; has the meaning set forth in Section 3(a)(ii).</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 20.15pt; text-align: justify; text-indent: 73.45pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 20.15pt; text-align: justify; text-indent: 73.45pt">(ee)<FONT STYLE="font-weight: normal; letter-spacing: -0.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&quot;<U>Person&quot;</U>
means a legal person, including any individual, corporation, estate, partnership, joint venture, association, joint-stock company,
limited liability company or trust.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 20.15pt; text-align: left; text-indent: 73.45pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 20.15pt; text-align: left; text-indent: 73.45pt">(ff)<FONT STYLE="font-weight: normal; letter-spacing: -0.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&quot;<U>Preferred
Director</U>&quot; has the meaning set forth in Section 7(c).</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 20.15pt; text-align: justify; text-indent: 73.45pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 20.15pt; text-align: justify; text-indent: 73.45pt">(gg)<FONT STYLE="font-weight: normal; letter-spacing: -0.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&quot;<U>Preferred
Stock</U>&quot; means any and all series of preferred stock of the Issuer, including the Designated Preferred Stock.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 20.15pt; text-align: justify; text-indent: 73.45pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 20.15pt; text-align: justify; text-indent: 73.45pt">(hh)<FONT STYLE="font-weight: normal; letter-spacing: -0.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&quot;<U>Previously
Acquired Preferred Shares&quot;</U> has the meaning set forth in the Definitive Agreement.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 20.15pt; text-align: justify; text-indent: 73.45pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 20.15pt; text-align: justify; text-indent: 73.45pt">(ii)<FONT STYLE="font-weight: normal; letter-spacing: -0.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&quot;<U>Private
Capital</U>&quot; means, if the Issuer is Matching Private Investment Supported (as defined in the Definitive Agreement), the equity
capital received by the Issuer or the applicable Affiliate of the Issuer from one or more non-governmental investors in accordance
with Section 1.3(m) of the Definitive Agreement.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 20.15pt; text-align: justify; text-indent: 73.45pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 20.15pt; text-align: justify; text-indent: 73.45pt">(jj)<FONT STYLE="font-weight: normal; letter-spacing: -0.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&quot;<U>Publicly-traded&quot;</U>
means a company that (i) has a class of securities that is traded on a national securities exchange and (ii) is required to file
periodic reports with either the Securities and Exchange Commission or its primary federal bank regulator.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 20.15pt; text-align: justify; text-indent: 73.45pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 20.15pt; text-align: justify; text-indent: 73.45pt">(kk)<FONT STYLE="font-weight: normal; letter-spacing: -0.5pt">&nbsp;&nbsp;</FONT>&nbsp;&nbsp;&quot;<U>Qualified
Small Business Lending</U>&quot; or &quot;<U>QSBL</U>&quot; means, with respect to any particular Dividend Period, the &quot;Quarter-End
Adjusted Qualified. Small Business Lending&quot; for such Dividend Period set forth in the applicable Supplemental Report.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 20.15pt; text-align: justify; text-indent: 73.45pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 20.15pt; text-align: justify; text-indent: 73.45pt">(ll)<FONT STYLE="font-weight: normal; letter-spacing: -0.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&nbsp;&quot;<U>Qualifying
Portion Percentage</U>&quot; means, with respect to any particular Dividend Period, the percentage obtained by dividing (i)
the Increase in QSBL for such Dividend Period by (ii) the aggregate Liquidation Amount of then-outstanding Designated
Preferred Stock.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 20.15pt; text-align: justify; text-indent: 73.45pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 20.15pt; text-align: justify; text-indent: 73.45pt">(mm)<FONT STYLE="font-weight: normal; letter-spacing: -0.5pt">&nbsp;&nbsp;&nbsp;</FONT>&quot;<U>Savings
and Loan Holding C</U>ompany&quot; means a company registered as such with the Office of Thrift Supervision pursuant to 12 U.S.C.
&sect;1467a(b) and the regulations of the Office of Thrift Supervision promulgated thereunder.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 20.15pt; text-align: justify; text-indent: 73.45pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 20.15pt; text-align: justify; text-indent: 73.45pt">(nn)<FONT STYLE="font-weight: normal; letter-spacing: -0.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&quot;<U>Share
Dilution Amount</U>&quot; means the increase in the number of diluted shares outstanding (determined in accordance with GAAP applied
on a consistent basis, and as measured from the date of the Issuer's most recent consolidated financial statements prior to the
Signing Date) resulting from the grant, vesting or exercise of equity-based compensation to employees and equitably adjusted for
any stock split, stock dividend, reverse stock split, reclassification or similar transaction.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 20.15pt; text-align: left; text-indent: 73.45pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 20.15pt; text-align: left; text-indent: 73.45pt">(oo)<FONT STYLE="font-weight: normal; letter-spacing: -0.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&quot;<U>Signing
Date Tier 1 Capital Amount</U>&quot; means $112,101,000.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left">SBLF
Participant No. 0502&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left">&nbsp;</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left; text-indent: 73.45pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 20.15pt; text-align: left; text-indent: 73.45pt">(pp)<FONT STYLE="font-weight: normal; letter-spacing: -0.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&quot;<U>Standard
Provisions&quot;</U> mean these Standard Provisions that form a part of the Certificate of Designation relating to the Designated
Preferred Stock.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 20.15pt; text-align: left; text-indent: 73.45pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 20.15pt; text-align: left; text-indent: 73.45pt">(qq)<FONT STYLE="font-weight: normal; letter-spacing: -0.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&quot;<U>Supplemental
Report</U>&quot; means a Supplemental Report delivered by the issuer to Treasury pursuant to the Definitive Agreement.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 20.15pt; text-align: left; text-indent: 73.45pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 20.15pt; text-align: left; text-indent: 73.45pt">(rr)<FONT STYLE="font-weight: normal; letter-spacing: -0.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&quot;<U>Tier
1 Dividend Threshold</U>&quot; means, as of any particular date, the result of the following formula:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1.6in"><FONT STYLE="letter-spacing: 2pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1.7in">( ( A<B> </B>+ B &ndash; C ) * 0<FONT STYLE="letter-spacing: -1pt"><B>.</B>9
</FONT>) &ndash; D</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1.7in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1.7in">where:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1.7in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1.7in">A = Signing Date Tier 1 Capital Amount;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 1.7in; text-indent: -22.7pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 1.9in; text-indent: -19.45pt">&nbsp;&nbsp;B = the aggregate Liquidation
Amount of the Designated Preferred Stock issued to Treasury;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1.7in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1.7in">C = the aggregate amount of Charge-Offs since the Signing
Date; and</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 1.7in; text-indent: -23.05pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 1.9in; text-indent: -19.45pt">&nbsp;&nbsp;D = (i) beginning on the
first day of the eleventh (11th) Dividend Period, the amount equal to ten percent (10%) of the aggregate Liquidation Amount of
the Designated Preferred Stock issued to Treasury as of the Effective Date (without regard to any redemptions of Designated Preferred
Stock that may have occurred thereafter) for every one percent (1%) of positive Percentage Change in Qualified Small Business Lending
between the ninth (9th) Dividend Period and the Baseline; and</P>



<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 2in; text-indent: -23.05pt; text-align: justify"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 2in; text-indent: -23.05pt; text-align: justify"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 1.7in; text-indent: 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 1.8in; text-align: left">&nbsp;&nbsp;&nbsp;(ii) zero (0) at all other times.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 137.9pt; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 20.15pt; text-align: justify; text-indent: 73.45pt">(ss)<FONT STYLE="font-weight: normal; letter-spacing: -0.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&quot;<U>Voting
Parity Stock&quot;</U> means, with regard to any matter as to which the holders of Designated Preferred Stock are entitled to vote
as specified in Section 7(d) of these Standard Provisions that form a part of the Certificate of Designation, any and all series
of Parity Stock upon which like voting rights have been conferred and are exercisable with respect to such matter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 20.15pt; text-indent: 73.45pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 20.15pt; text-indent: 73.45pt">Section 3. <U>Dividends</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 20.15pt; text-indent: 73.45pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 20.15pt; text-indent: 73.45pt">(a)<FONT STYLE="font-weight: normal; letter-spacing: -0.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Rate</U>.</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1.3in; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1.3in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1.55in">&nbsp;&nbsp;&nbsp;(i)<FONT STYLE="font-weight: normal; letter-spacing: 0pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>The
&quot;<U>Applicable Dividend Rate</U>&quot; shall be determined as follows:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 185.05pt; text-indent: -37.1pt">&nbsp;&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; margin-top: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 2in"></TD><TD STYLE="width: 0.5in; text-align: left">(1)</TD><TD STYLE="text-align: justify">With respect to the Initial Dividend Period, the Applicable
Dividend Rate shall be two percent (2.0%).</TD>
</TR></TABLE>



<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; text-align: left; margin-bottom: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; text-align: left; margin-bottom: 0">SBLF
Participant No. 0502&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; text-align: left; margin-bottom: 0">&nbsp;</P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 2.45in; text-indent: -0.4in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; margin-top: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 2in"></TD><TD STYLE="width: 0.5in; text-align: left">(2)</TD><TD STYLE="text-align: justify">With respect to each of the second (2nd) through the tenth (10th)
Dividend Periods, inclusive (in each case, the &quot;<U>Current Period</U>&quot;), the Applicable Dividend Rate shall be:</TD>
</TR></TABLE>



<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 37.1pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 2in; text-align: justify; text-indent: 34.55pt">(A)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(x)
the applicable rate set forth in column &quot;A&quot; of the table in Section 3(a)(iii), based on the Percentage Change in QSBL
between the Dividend Period that was two Dividend Periods prior to the Current Period (the &quot;<U>Dividend Reference Period</U>&quot;)
and the Baseline, multiplied by (y) the Qualifying Portion Percentage; plus</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 37.1pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 2in; text-align: justify; text-indent: 0.5in">(B)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(x)
five percent (5%) multiplied by (y) the Non-Qualifying Portion Percentage.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 2in; text-align: justify">In each such case, the Applicable
Dividend Rate shall be determined at the time the Issuer delivers a complete and accurate Supplemental Report to Treasury with
respect to the Dividend Reference Period.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 36.7pt; text-align: justify; text-indent: -36.7pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 2in"></TD><TD STYLE="width: 0.5in; text-align: left">(3)</TD><TD STYLE="text-align: justify">With respect to the eleventh (11th) through the eighteenth (18th) Dividend Periods,
                                                                               inclusive, and that portion of the nineteenth (19th) Dividend Period prior to, but not including, the four and one half
                                                                               (4&frac12;) year anniversary of the Original Issue Date, the Applicable Dividend Rate shall be:</TD>
</TR></TABLE>



<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36.7pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 2in; text-align: justify; text-indent: 0.5in">(A)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(x)
the applicable rate set forth in column &quot;B&quot; of the table in Section 3(a)(iii), based on the Percentage Change in QSBL
between the ninth (9th) Dividend Period and the Baseline, multiplied by (y) the Qualifying Portion Percentage, calculated as of
the last day of the ninth (9th) Dividend Period; plus</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36.7pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 2in; text-align: justify; text-indent: 0.5in">(B)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(x)
five percent (5%) multiplied by (y) the Non-Qualifying Portion Percentage, calculated as of the last day of the ninth (9th) Dividend
Period.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 2in; text-align: justify">In such case, the Applicable
Dividend Rate shall be determined at the time the Issuer delivers; a complete and accurate Supplemental Report to Treasury with
respect to the ninth (9th) Dividend Period.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 36.7pt; text-align: justify; text-indent: -36.7pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; margin-top: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 2in"></TD><TD STYLE="width: 0.5in; text-align: left">(4)</TD><TD STYLE="text-align: justify">With respect to
(A) that portion of the nineteenth (19th) Dividend Period beginning on the four and one half (4&frac12;) year anniversary of the Original
Issue Date and (B) all Dividend Periods thereafter, the Applicable Dividend Rate shall be nine percent (9%).</TD>
</TR></TABLE>



<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0">SBLF
Participant No. 0502&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0">&nbsp;</P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 180.7pt; text-align: justify; text-indent: -36.7pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 2in"></TD><TD STYLE="width: 0.5in; text-align: left">(5)</TD><TD STYLE="text-align: justify">Notwithstanding anything herein to the contrary, if the
Issuer fails to submit a Supplemental Report that is due during any of the second (2nd) through tenth (10th) Dividend Periods
on or before the sixtieth (60th) day of such Dividend Period, the Issuer's QSBL for the Dividend Period that would have been covered
by such Supplemental Report shall be zero (0) for purposes hereof.</TD>
</TR></TABLE>



<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 147.95pt; text-align: justify; text-indent: -36.35pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; margin-top: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 2in"></TD><TD STYLE="width: 0.5in; text-align: left">(6)</TD><TD STYLE="text-align: justify">Notwithstanding
                                                                               anything herein to the contrary, but subject to
                                                                               Section 3(a)(i)(5) above, if the Issuer fails to
                                                                               submit the Supplemental Report that is due during
                                                                               the tenth (10th) Dividend Period, the Issuer's
                                                                               QSBL for such Dividend Period shall be zero (0)
                                                                               for purposes of calculating the Applicable Dividend
                                                                               Rate pursuant to Section 3(a)(i)(3) and (4). The
                                                                               Applicable Dividend Rate shall be re-determined
                                                                               effective as of the first day of the calendar quarter
                                                                               following the date such failure is remedied, provided
                                                                               it is remedied prior to the four and one half (4&frac12;)
                                                                               anniversary of the Original Issue Date.</TD>
</TR></TABLE>



<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 2in"></TD><TD STYLE="width: 0.5in; text-align: left">(7)</TD><TD STYLE="text-align: justify">Notwithstanding anything herein to the contrary, if
the Issuer fails to submit any of the certificates required by Sections 3.1(d)(ii) or 3.1(d)(iii) of the Definitive Agreement
when and as required thereby, the Issuer's QSBL shall be zero (0) for purposes of calculating the Applicable Dividend Rate pursuant
to Section 3(a)(i)(2) or (3) above until such failure is remedied.</TD>
</TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 147.95pt; text-align: justify; text-indent: -36.35pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1.55in">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
&quot;<U>Percentage Change in Qualified Lending</U>&quot; between any given Dividend Period and the Baseline shall be the result
of the following formula, expressed as a percentage:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0in"><img src="pg46.jpg"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left; text-indent: 1.55in">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
following table shall be used for determining the Applicable Dividend Rate:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 78%; margin-left: 1.5in">
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD><TD STYLE="font-style: italic; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="font-style: italic; text-align: center; border-bottom: Black 1pt solid">The&nbsp;Applicable&nbsp;Dividend&nbsp;Rate&nbsp;shall&nbsp;be:</TD><TD STYLE="padding-bottom: 1pt; font-style: italic">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-style: italic">&nbsp;</TD><TD STYLE="font-weight: bold; font-style: italic">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; font-style: italic; text-align: center">Column&nbsp;"A"</TD><TD STYLE="font-weight: bold; font-style: italic">&nbsp;</TD><TD STYLE="font-weight: bold; font-style: italic">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; font-style: italic; text-align: center">Column&nbsp;"B"</TD><TD STYLE="font-weight: bold; font-style: italic">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-style: italic">&nbsp;</TD><TD STYLE="font-style: italic">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-style: italic; text-align: center">(each&nbsp;of&nbsp;the</TD><TD STYLE="font-style: italic">&nbsp;</TD><TD STYLE="font-style: italic">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-style: italic; text-align: center">(11th&nbsp;&ndash;&nbsp;18th,&nbsp;and</TD><TD STYLE="font-style: italic">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD><I>If&nbsp;the&nbsp;Percentage&nbsp;Change&nbsp;in&nbsp;</I></TD><TD STYLE="font-style: italic">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-style: italic; text-align: center">2nd&nbsp;&ndash;&nbsp;10th</TD><TD STYLE="font-style: italic">&nbsp;</TD><TD STYLE="font-style: italic">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-style: italic; text-align: center">the&nbsp;first&nbsp;part&nbsp;of&nbsp;the</TD><TD STYLE="font-style: italic">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-style: italic; border-bottom: Black 1pt solid">Qualified&nbsp;Lending&nbsp;is:</TD><TD STYLE="font-style: italic; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-style: italic; text-align: center; border-bottom: Black 1pt solid">Dividend&nbsp;Periods)</TD><TD STYLE="padding-bottom: 1pt; font-style: italic">&nbsp;</TD><TD STYLE="font-style: italic; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-style: italic; text-align: center; border-bottom: Black 1pt solid">19th,&nbsp;Dividend&nbsp;Periods)</TD><TD STYLE="padding-bottom: 1pt; font-style: italic">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,255,204)">
    <TD STYLE="width: 74%; text-align: left">0% or less</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; text-align: right">5</TD><TD STYLE="width: 1%; text-align: left">%</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; text-align: right">7</TD><TD STYLE="width: 1%; text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">More than 0%, but less than 2.5%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">5</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">5</TD><TD STYLE="text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,255,204)">
    <TD STYLE="text-align: left">2.5% or more, but less than 5%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">4</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">4</TD><TD STYLE="text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">5% or more, but less than 7.5%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3</TD><TD STYLE="text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,255,204)">
    <TD STYLE="text-align: left">7.5% or more, but less than 10%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2</TD><TD STYLE="text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">10% or more</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1</TD><TD STYLE="text-align: left">%</TD></TR>
</TABLE>



<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left">SBLF
Participant No. 0502&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left">&nbsp;</P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 37.1pt; text-align: justify; text-indent: 73.45pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 37.1pt; text-align: justify; text-indent: 73.45pt">(iv)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
the Issuer consummates a Business Combination, a purchase of loans or a purchase of participations in loans and the Designated
Preferred Stock remains outstanding thereafter, then the Baseline shall thereafter be the &quot;Quarter-End Adjusted Small Business
Lending Baseline&quot; set forth on the Quarterly Supplemental Report (as defined in the Definitive Agreement).</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0in"><FONT STYLE="letter-spacing: -0.5pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.45pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Payment</U>.
Holders of Designated Preferred Stock shall be entitled to receive, on each share of Designated Preferred Stock if, as and when
declared by the Board of Directors or any duly authorized committee of the Board of Directors, but only out of assets legally available
therefor, non-cumulative cash dividends with respect to:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 72.7pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 37.1pt; text-align: justify; text-indent: 73.45pt">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;each
Dividend Period (other than the Initial Dividend Period) at a rate equal to one-fourth (&frac14;) of the Applicable Dividend Rate with
respect to each Dividend Period on the Liquidation Amount per share of Designated Preferred Stock, and no more, payable quarterly
in arrears on each Dividend Payment Date; and</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 36.7pt; text-align: justify; text-indent: 74.15pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 37.1pt; text-align: justify; text-indent: 73.45pt">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
Initial Dividend Period, on the first such Dividend Payment Date to occur at least twenty (20) calendar days after the Original
Issue Date, an amount equal to (A) the Applicable Dividend Rate with respect to the Initial Dividend Period multiplied by (B) the
number of days from the Original Issue Date to the last day of the Initial Dividend Period (inclusive) divided by 360.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.45pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.45pt">In the event that
any Dividend Payment Date would otherwise fall on a day that is not a Business Day, the dividend payment due on that date will
be postponed to the next day that is a Business Day and no additional dividends will accrue as a result of that postponement. For
avoidance of doubt, &quot;payable quarterly in arrears&quot; means that, with respect to any particular Dividend Period, dividends
begin accruing on the first day of such Dividend Period and are payable on the first day of the next Dividend Period.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.8pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.8pt">The amount of dividends
payable on Designated Preferred Stock on any date prior to the end of a Dividend Period, and for the initial Dividend Period, shall
be computed on the basis of a 360-day year consisting of four 90-day quarters, and actual days elapsed over a 90-day quarter.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.1pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.1pt">Dividends that
are payable on Designated Preferred Stock on any Dividend Payment Date will be payable to holders of record of Designated Preferred
Stock as they appear on the stock register of the Issuer on the applicable record date, which shall be the 15th calendar day immediately
preceding such Dividend Payment Date or such other record date fixed by the Board of Directors or any duly authorized committee
of the Board of Directors that is not more than 60 nor less than 10 days prior to such Dividend Payment Date (each, a &quot;<U>Dividend
Record Date&quot;</U>). Any such day that is a Dividend Record Date shall be a Dividend Record Date whether or not such day is
a Business Day.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left">SBLF
Participant No. 0502&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left">&nbsp;</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 72.35pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 72.35pt">Holders of Designated
Preferred Stock shall not be entitled to any dividends, whether payable in cash, securities or other property, other than dividends
(if any) declared and payable on Designated Preferred Stock as specified in this Section 3 (subject to the other provisions of
the Certificate of Designation).</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 72.7pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 72.7pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Non-Cumulative</U>.
Dividends on shares of Designated Preferred Stock shall be non-cumulative. If the Board of Directors or any duly authorized committee
of the Board of Directors does not declare a dividend on the Designated Preferred Stock in respect of any Dividend Period:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 36.35pt; text-align: justify; text-indent: 74.15pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 36.35pt; text-align: justify; text-indent: 74.15pt">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
holders of Designated Preferred Stock shall have no right to receive any dividend for such Dividend Period, and the Issuer shall
have no obligation to pay a dividend for such Dividend Period, whether or not dividends are declared for any subsequent Dividend
Period with respect to the Designated Preferred Stock; and</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 36.35pt; text-align: justify; text-indent: 74.15pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 36.35pt; text-align: justify; text-indent: 74.15pt">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
Issuer shall, within five (5) calendar days, deliver to the holders of the Designated Preferred Stock a written notice executed
by the Chief Executive Officer and the Chief Financial Officer of the Issuer stating the Board of Directors' rationale for not
declaring dividends.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 73.1pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 73.1pt; text-align: left; text-indent: 0in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Priority
of Dividends; Restrictions on Dividends</U>.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify; text-indent: 74.15pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify; text-indent: 74.15pt">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subject
to Sections 3(d)(ii), (iii) and (v) and any restrictions imposed by the Appropriate Federal Banking Agency or, if applicable, the
Issuer's state bank supervisor (as defined in Section 3(r) of the Federal Deposit Insurance Act (12 U.S.C. &sect; 1813(q)), so
long as any share of Designated Preferred Stock remains outstanding, the Issuer may declare and pay dividends on the Common Stock,
any other shares of Junior Stock, or Parity Stock, in each case only if (A) after giving effect to such dividend the Issuer's Tier
1 capital would be at least equal to the Tier 1 Dividend Threshold, and (B) full dividends on all outstanding shares of Designated
Preferred Stock for the most recently completed Dividend Period have been or are contemporaneously declared and paid.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify; text-indent: 74.15pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify; text-indent: 74.15pt">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
a dividend is not declared and paid in full on the Designated Preferred Stock in respect of any Dividend Period, then from the
last day of such Dividend Period until the last day of the third (3rd) Dividend Period immediately following it, no dividend or
distribution shall be declared or paid on the Common Stock or any other shares of Junior Stock (other than dividends payable solely
in shares of Common Stock) or Parity Stock; <I>provided, however, </I>that in any such Dividend Period in which a dividend is declared
and paid on the Designated Preferred Stock, dividends may be paid on Parity Stock to the extent necessary to avoid any material
breach of a covenant by which the Issuer is bound.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify; text-indent: 74.15pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify; text-indent: 74.15pt">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;When
dividends have not been declared and paid in full for an aggregate of four (4) Dividend Periods or more, and during such time the
Issuer was not subject to a regulatory determination that prohibits the declaration and payment of dividends, the Issuer shall,
within five (5) calendar days of each missed payment, deliver to the holders of the Designated Preferred Stock a certificate executed
by at least a majority of the Board of Directors stating that the Board of Directors used its best efforts to declare and pay such
dividends in a manner consistent with (A) safe and sound banking practices and (B) the directors' fiduciary obligations.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left">SBLF
Participant No. 0502&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left">&nbsp;</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 36.35pt; text-align: justify; text-indent: 73.1pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 36.35pt; text-align: justify; text-indent: 73.1pt">(iv)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subject
to the foregoing and Section 3(e) below and not otherwise, such dividends (payable in cash, securities or other property) as may
be determined by the Board of Directors or any duly authorized committee of the Board of Directors may be declared and paid on
any securities, including Common Stock and other Junior Stock, from time to time out of any funds legally available for such payment,
and holders of Designated Preferred Stock shall not be entitled to participate in any such dividends.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 36.35pt; text-align: justify; text-indent: 73.1pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 36.35pt; text-align: justify; text-indent: 73.1pt">(v)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
the Issuer is not Publicly-Traded, then after the tenth (10th) anniversary of the Signing Date, so long as any share of Designated
Preferred Stock remains outstanding, no dividend or distribution shall be declared or paid on the Common Stock or any other shares
of Junior Stock (other than dividends payable solely in shares of Common Stock) or Parity Stock.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36.35pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36.35pt">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Special
Lending Incentive Fee Related to CPP</U>. If Treasury held Previously Acquired Preferred Shares immediately prior to the Original
Issue Date and the Issuer did not apply to Treasury to redeem such Previously Acquired Preferred Shares prior to December 16,
2010, and if the Issuer's Supplemental Report with respect to the ninth (9th) Dividend Period reflects an amount of Qualified
Small Business Lending that is less than or equal to the Baseline (or if the Issuer fails to timely file a Supplemental Report
with respect to the ninth (9th) Dividend Period), then beginning on April <FONT STYLE="letter-spacing: -0.5pt">1<B>,</B></FONT><B>
</B>2014 and on all Dividend Payment Dates thereafter ending on April 1, 2016, the Issuer shall pay to the Holders of Designated
Preferred Stock, on each share of Designated Preferred Stock, but only out of assets legally available therefor, a fee equal to
0.5% of the Liquidation Amount per share of Designated Preferred Stock (&quot;<U>CPP Lending Incentive Fee</U>&quot;). All references
in Section 3(d) to &quot;dividends&quot; on the Designated Preferred Stock shall be deemed to include the CPP Lending Incentive
Fee.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 73.1pt; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 73.1pt; text-align: left">Section 4. <U>Liquidation Rights</U>.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 72.7pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 72.7pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Voluntary
or Involuntary Liquidation</U>. In the event of any liquidation, dissolution or winding up of the affairs of the Issuer, whether
voluntary or involuntary, holders of Designated Preferred Stock shall be entitled to receive for each share of Designated Preferred
Stock, out of the assets of the Issuer or proceeds thereof (whether capital or surplus) available for distribution to stockholders
of the Issuer, subject to the rights of any creditors of the Issuer, before any distribution of such assets or proceeds is made
to or set aside for the holders of Common Stock and any other stock of the Issuer ranking junior to Designated Preferred Stock
as to such distribution, payment in full in an amount equal to the sum of (i) the Liquidation Amount per share and (ii) the amount
of any accrued and unpaid dividends on each such share (such amounts collectively, the &quot;<U>Liquidation Preference</U>&quot;).</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left">SBLF
Participant No. 0502&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left">&nbsp;</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 72.7pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 72.7pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Partial
Payment</U>. If in any distribution described in Section 4(a) above the assets of the Issuer or proceeds thereof are not sufficient
to pay in full the amounts payable with respect to all outstanding shares of Designated Preferred Stock and the corresponding amounts
payable with respect of any other stock of the Issuer ranking equally with Designated Preferred Stock as to such distribution,
holders of Designated Preferred Stock and the holders of such other stock shall share ratably in any such distribution in proportion
to the full respective distributions to which they are entitled.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 72.7pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 72.7pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Residual
Distributions</U>. If the Liquidation Preference has been paid in full to all holders of Designated Preferred Stock and the corresponding
amounts payable with respect of any other stock of the Issuer ranking equally with Designated Preferred Stock as to such distribution
has been paid in full, the holders of other stock of the Issuer shall be entitled to receive all remaining assets of the Issuer
(or proceeds thereof) according to their respective rights and preferences.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.45pt"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.45pt"><FONT STYLE="font-weight: normal">(d)</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Merger,
Consolidation and Sale of Assets Is Not Liquidation</U>. For purposes of this Section 4, the merger or consolidation of the Issuer
with any other corporation or other entity, including a merger or consolidation in which the holders of Designated Preferred Stock
receive cash, securities or other property for their shares, or the sale, lease or exchange (for cash, securities or other property)
of all or substantially all of the assets of the Issuer, shall not constitute a liquidation, dissolution or winding up of the Issuer.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 73.1pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 73.1pt; text-align: left; text-indent: 0in">Section 5.
<U>Redemption</U>.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 72.7pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 72.7pt; text-align: left; text-indent: 0in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Optional
Redemption</U>.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 72.7pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 1.4in; text-align: justify; text-indent: 0in">&nbsp;&nbsp;&nbsp;(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subject
to the other provisions of this Section 5:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 183.25pt; text-align: justify; text-indent: -36.35pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 2in"></TD><TD STYLE="width: 0.5in; text-align: left">(1)</TD><TD STYLE="text-align: justify">The Issuer, at its option, subject to the approval
of the Appropriate Federal Banking Agency, may redeem, in whole or in part, at any time and from time to time, out of funds legally
available therefor, the shares of Designated Preferred Stock at the time outstanding; and</TD>
</TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 183.25pt; text-align: justify; text-indent: -36.35pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 2in"></TD><TD STYLE="width: 0.5in; text-align: left">(2)</TD><TD STYLE="text-align: justify">If, after the Signing Date, there is a change in law
that modifies the terms of Treasury's investment in the Designated Preferred Stock or the terms of Treasury's Small Business Lending
Fund program in a materially adverse respect for the Issuer, the Issuer may, after consultation with the Appropriate Federal Banking
Agency, redeem all of the shares of Designated Preferred Stock at the time outstanding.</TD>
</TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 36.35pt; text-align: left; text-indent: 73.45pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 36.45pt; text-align: left; text-indent: 73.1pt">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
per-share redemption price for shares of Designated Preferred Stock shall be equal to the sum of:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 146.9pt; text-align: left; text-indent: 0in"><FONT STYLE="letter-spacing: -0.5pt"><B>&nbsp;</B></FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 2in"></TD><TD STYLE="width: 0.5in; text-align: left">(1)</TD><TD STYLE="text-align: justify">the Liquidation Amount per share,</TD>
</TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 183.25pt; text-align: justify; text-indent: -36.35pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 2in"></TD><TD STYLE="width: 0.5in; text-align: left">(2)</TD><TD STYLE="text-align: justify">the per-share amount of any unpaid dividends for the
then current Dividend Period at the Applicable Dividend Rate to, but excluding, the date fixed for redemption (regardless of whether
any dividends are actually declared for that Dividend Period; and</TD>
</TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left">SBLF
Participant No. 0502&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left">&nbsp;</P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 184.3pt; text-indent: -36.35pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 2in"></TD><TD STYLE="width: 0.5in; text-align: left">(3)</TD><TD STYLE="text-align: justify">the pro rata amount of CPP Lending Incentive Fees
for the current Dividend Period.</TD>
</TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 184.3pt; text-indent: -36.35pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.1pt">The redemption
price for any shares of Designated Preferred Stock shall be payable on the redemption date to the holder of such shares against
surrender of the certificate(s) evidencing such shares <FONT STYLE="letter-spacing: 0.5pt">to </FONT>the Issuer or its agent. Any
declared but unpaid dividends for the then current Dividend Period payable on a redemption date that occurs subsequent to the Dividend
Record Date for a Dividend Period shall not be paid to the holder entitled to receive the redemption price on the redemption date,
but rather shall be paid to the holder of record of the redeemed shares on such Dividend Record Date relating to the Dividend Payment
Date as provided in Section 3 above.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.1pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.1pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>No
Sinking Fund</U>. The Designated Preferred Stock will not be subject to any mandatory redemption, sinking fund or other similar
provisions. Holders of Designated Preferred Stock will have no right to require redemption or repurchase of any shares of Designated
Preferred Stock.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.1pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.1pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Notice
of Redemption</U>. Notice of every redemption of shares of Designated Preferred Stock shall be given by first class mail, postage
prepaid, addressed to the holders of record of the shares to be redeemed at their respective last addresses appearing on the books
of the Issuer. Such mailing shall be at least 30 days and not more than 60 days before the date fixed for redemption. Any notice
mailed as provided in this Subsection shall be conclusively presumed to have been duly given, whether or not the holder receives
such notice, but failure duly to give such notice by mail, or any defect in such notice or in the mailing thereof, to any holder
of shares of Designated Preferred Stock designated for redemption shall not affect the validity of the proceedings for the redemption
of any other shares of Designated Preferred Stock. Notwithstanding the foregoing, if shares of Designated Preferred Stock are issued
in book-entry form through The Depository Trust Company or any other similar facility, notice of redemption may be given to the
holders of Designated Preferred Stock at such time and in any manner permitted by such facility. Each notice of redemption given
to a holder shall state: (1) the redemption date; (2) the number of shares of Designated Preferred Stock <FONT STYLE="letter-spacing: 0.5pt">to
</FONT>be redeemed and, if less than all the shares held by such holder are to be redeemed, the number of such shares to be redeemed
from such holder; (3) the redemption price; and (4) the place or places where certificates for such shares are to be surrendered
for payment of the redemption price.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.1pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.1pt">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Partial
Redemption</U>. In case of any redemption of part of the shares of Designated Preferred Stock at the time outstanding, the shares
to be redeemed shall be selected either <I>pro rata </I>or in such other manner as the Board of Directors or a duly authorized
committee thereof may determine to be fair and equitable, but in any event the shares to be redeemed shall not be less than the
Minimum Amount. Subject to the provisions hereof, the Board of Directors or a duly authorized committee thereof shall have full
power and authority to prescribe the terms and conditions upon which shares of Designated Preferred Stock shall be redeemed from
time to time, subject to the approval of the Appropriate Federal Banking Agency. If fewer than all the shares represented by any
certificate are redeemed, a new certificate shall be issued representing the unredeemed shares without charge to the holder thereof.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left">SBLF
Participant No. 0502&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.1pt">&nbsp;</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.45pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.45pt">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Effectiveness
of Redemption</U>. If notice of redemption has been duly given and if on or before the redemption date specified in the notice
all funds necessary for the redemption have been deposited by the Issuer, in trust for the <I>pro rata </I>benefit of the holders
of the shares called for redemption, with a bank or trust company doing business in the Borough of Manhattan, The City of New York,
and having a capital and surplus of at least $500 million and selected by the Board of Directors, so as to be and continue to be
available solely therefor, then, notwithstanding that any certificate for any share so called for redemption has not been surrendered
for cancellation, on and after the redemption date dividends shall cease to accrue on all shares so called for redemption, all
shares so called for redemption shall no longer be deemed outstanding and all rights with respect to such shares shall forthwith
on such redemption date cease and terminate, except only the right of the holders thereof to receive the amount payable on such
redemption from such bank or trust company, without interest. Any funds unclaimed at the end of three years from the redemption
date shall, to the extent permitted by law, be released to the Issuer, after which time the holders of the shares so called for
redemption shall look only to the Issuer for payment of the redemption price of such shares.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.45pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.45pt">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Status
of Redeemed Shares</U>. Shares of Designated Preferred Stock that are redeemed, repurchased or otherwise acquired by the Issuer
shall revert to authorized but unissued shares of Preferred Stock (<I>provided </I>that any such cancelled shares of Designated
Preferred Stock may be reissued only as shares of any series of Preferred Stock other than Designated Preferred Stock).</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.8pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.8pt">Section 6. <U>Conversion</U>.
Holders of Designated Preferred Stock shares shall have no right to exchange or convert such shares into any other securities.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 73.8pt; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 73.8pt; text-align: left; text-indent: 0in">Section 7.
<U>Voting Rights</U>.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.45pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.45pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>General</U>.
The holders of Designated Preferred Stock shall not have any voting rights except as set forth below or as otherwise from time
to time required by law.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.45pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.45pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Board
Observation Rights</U>. Whenever, at any time or times, dividends on the shares of Designated Preferred Stock have not been declared
and paid in full within five (5) Business Days after each Dividend Payment Date for an aggregate of five (5) Dividend Periods or
more, whether or not consecutive, the Issuer shall invite a representative selected by the holders of a majority of the outstanding
shares of Designated Preferred Stock, voting as a single class, to attend all meetings of its Board of Directors in a nonvoting
observer capacity and, in this respect, shall give such representative copies of all notices, minutes, consents, and other materials
that it provides to its directors in connection with such meetings; <I>provided, </I>that the holders of the Designated Preferred
Stock shall not be obligated to select such a representative, nor shall such representative, if selected, be obligated to attend
any meeting to which he/she is invited. The rights of the holders of the Designated Preferred Stock set forth in this Section 7(b)
shall terminate when full dividends have been timely paid on the Designated Preferred Stock for at least four consecutive Dividend
Periods, subject to revesting in the event of each and every subsequent default of the character above mentioned.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.45pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left">SBLF
Participant No. 0502&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.45pt">&nbsp;</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.8pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.8pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Preferred
Stock Directors</U>. Whenever, at any time or times, (i) dividends on the shares of Designated Preferred Stock have not been declared
and paid in full within five (5) Business Days after each Dividend Payment Date for an aggregate of six (6) Dividend Periods or
more, whether or not consecutive, and (ii) the aggregate liquidation preference of the then-outstanding shares of Designated Preferred
Stock is greater than or equal to $25,000,000, the authorized number of directors of the Issuer shall automatically be increased
by two and the holders of the Designated Preferred Stock, voting as a single class, shall have the right, but not the obligation,
to elect two directors (hereinafter the &quot;<U>Preferred Directors</U>&quot; and each a &quot;<U>Preferred Director</U>&quot;)
to fill such newly created directorships at the Issuer's next annual meeting of stockholders (or, if the next annual meeting is
not yet scheduled or is scheduled to occur more than thirty days later, the President of the Company shall promptly call a special
meeting for that purpose) and at each subsequent annual meeting of stockholders until full dividends have been timely paid on
the Designated Preferred Stock for at least four consecutive Dividend Periods, at which time such right shall terminate with respect
to the Designated Preferred Stock, except as herein or by law expressly provided, subject to revesting in the event of each and
every subsequent default of the character above mentioned; <I>provided </I>that it shall be a qualification for election for any
Preferred Director that the election of such Preferred Director shall not cause the Issuer to violate any corporate governance
requirements of any securities exchange or other trading facility on which securities of the Issuer may then be listed or traded
that listed or traded companies must have a majority of independent directors. Upon any termination of the right of the holders
of shares of Designated Preferred Stock to vote for directors as provided above, the Preferred Directors shall cease to be qualified
as directors, the term of office of all Preferred Directors then in office shall terminate immediately and the authorized number
of directors shall be reduced by the number of Preferred Directors elected pursuant hereto. Any Preferred Director may be removed
at any time, with or without cause, and any vacancy created thereby may be filled, only by the affirmative vote of the holders
a majority of the shares of Designated Preferred Stock at the time outstanding voting separately as a class. If the office of
any Preferred Director becomes vacant for any reason other than removal from office as aforesaid, the holders of a majority of
the outstanding shares of Designated Preferred Stock, voting as a single class, may choose a successor who shall hold office for
the unexpired term in respect of which such vacancy occurred.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.8pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.8pt">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Class
Voting Rights as to Particular Matters</U>. So long as any shares of Designated Preferred Stock are outstanding, in addition to
any other vote or consent of stockholders required by law or by the Charter, the written consent of (x) Treasury if Treasury holds
any shares of Designated Preferred Stock, or (y) the holders of a majority of the outstanding shares of Designated Preferred Stock,
voting as a single class, if Treasury does not hold any shares of Designated Preferred Stock, shall be necessary for effecting
or validating:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 37.1pt; text-align: justify; text-indent: 74.15pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 37.1pt; text-align: justify; text-indent: 74.15pt">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Authorization
of Senior Stock</U>. Any amendment or alteration of the Certificate of Designation for the Designated Preferred Stock or the Charter
to authorize or create or increase the authorized amount of, or any issuance of, any shares of, or any securities convertible into
or exchangeable or exercisable for shares of, any class or series of capital stock of the Issuer ranking senior to Designated Preferred
Stock with respect to either or both the payment of dividends and/or the distribution of assets on any liquidation, dissolution
or winding up of the Issuer;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left">SBLF
Participant No. 0502&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left">&nbsp;</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 37.1pt; text-align: justify; text-indent: 74.15pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 37.45pt; text-align: justify; text-indent: 74.15pt">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Amendment
of Designated Preferred Stock</U>. Any amendment, alteration or repeal of any provision of the Certificate of Designation for the
Designated Preferred Stock or the Charter (including, unless no vote on such merger or consolidation is required by Section 7(d)(iii)
below, any amendment, alteration or repeal by means of a merger, consolidation or otherwise) so as to adversely affect the rights,
preferences, privileges or voting powers of the Designated Preferred Stock;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 37.45pt; text-align: justify; text-indent: 74.15pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 37.45pt; text-align: justify; text-indent: 74.15pt">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Share
Exchanges, Reclassifications, Mergers and Consolidations</U>. Subject to Section <FONT STYLE="letter-spacing: -0.5pt"><B>7</B></FONT>(d)(v)
below, any consummation of a binding share exchange or reclassification involving the Designated Preferred Stock, or of a merger
or consolidation of the Issuer with another corporation or other entity, unless in each case (x) the shares of Designated Preferred
Stock remain outstanding or, in the case of any such merger or consolidation with respect to which the Issuer is not the surviving
or resulting entity, are converted into or exchanged for preference securities of the surviving or resulting entity or its ultimate
parent, and (y) such shares remaining outstanding or such preference securities, as the case may be, have such rights, preferences,
privileges and voting powers, and limitations and restrictions thereof that are the same as the rights, preferences, privileges
and voting powers, and limitations and restrictions thereof, of Designated Preferred Stock immediately prior to such consummation,
taken as a whole; <U>provided</U>, that in all cases, the obligations of the Issuer are assumed (by operation of law or by express
written assumption) by the resulting entity or its ultimate parent;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 37.45pt; text-align: justify; text-indent: 74.15pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 37.45pt; text-align: justify; text-indent: 74.15pt">(iv)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Certain
Asset Sales</U>. Any sale of all, substantially all, or any material portion of, the assets of the Company, if the Designated Preferred
Stock will not be redeemed in full contemporaneously with the consummation of such sale; and</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 37.45pt; text-align: justify; text-indent: 74.15pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 37.45pt; text-align: justify; text-indent: 74.15pt">(v)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Holding
Company Transactions</U>. Any consummation of a Holding Company Transaction, unless as a result of the Holding Company Transaction
each share of Designated Preferred Stock shall be converted into or exchanged for one share with an equal liquidation preference
of preference securities of the Issuer or the Acquiror (the &quot;<U>Holding Company Preferred Stock</U>&quot;). Any such Holding
Company Preferred Stock shall entitle holders thereof to dividends from the date of issuance of such Holding Company Preferred
Stock on terms that are equivalent to the terms set forth herein, and shall have such other rights, preferences, privileges and
voting powers, and limitations and restrictions thereof that are the same as the rights, preferences, privileges and voting powers,
and limitations and restrictions thereof, of Designated Preferred Stock immediately prior to such conversion or exchange, taken
as a whole;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><I>&nbsp;</I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><I>provided, however, </I>that for all
purposes of this Section 7(d), any increase in the amount of the authorized Preferred Stock, including any increase in the authorized
amount of Designated Preferred Stock necessary to satisfy preemptive or similar rights granted by the Issuer to other persons prior
to the Signing Date, or the creation and issuance, or an increase in the authorized or issued amount, whether pursuant to preemptive
or similar rights or otherwise, of any other series of Preferred Stock, or any securities convertible into or exchangeable or exercisable
for any other series of Preferred Stock, ranking equally with and/or junior to Designated Preferred Stock with respect to the payment
of dividends (whether such dividends are cumulative or non-cumulative) and the distribution of assets upon liquidation, dissolution
or winding up of the Issuer will not be deemed to adversely affect the rights, preferences, privileges or voting powers, and shall
not require the affirmative vote or consent of, the holders of outstanding shares of the Designated Preferred Stock.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">SBLF
Participant No. 0502&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.45pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.45pt">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Changes
after Provision for Redemption</U>. No vote or consent of the holders of Designated Preferred Stock shall be required pursuant
to Section 7(d) above if, at or prior to the time when any such vote or consent would otherwise be required pursuant to such Section,
all outstanding shares of the Designated Preferred Stock shall have been redeemed, or shall have been called for redemption upon
proper notice and sufficient funds shall have been deposited in trust for such redemption, in each case pursuant to Section 5 above.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.45pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.45pt">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Procedures
for Voting and Consents</U>. The rules and procedures for calling and conducting any meeting of the holders of Designated Preferred
Stock (including, without limitation, the fixing of a record date in connection therewith), the solicitation and use of proxies
at such a meeting, the obtaining of written consents and any other aspect or matter with regard to such a meeting or such consents
shall be governed by any rules of the Board of Directors or any duly authorized committee of the Board of Directors, in its discretion,
may adopt from time to time, which rules and procedures shall conform to the requirements of the Charter, the Bylaws, and applicable
law and the rules of any national securities exchange or other trading facility on which Designated Preferred Stock is listed or
traded at the time.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 73.8pt; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 73.8pt; text-align: left">Section 8. <U>Restriction on
Redemptions and Repurchases</U>.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.45pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.45pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subject
to Sections 8(b) and (c), so long as any share of Designated Preferred Stock remains outstanding, the Issuer may repurchase or
redeem any shares of Capital Stock (as defined below), in each case only if (i) after giving effect to such dividend, repurchase
or redemption, the Issuer's Tier 1 capital would be at least equal to the Tier 1 Dividend Threshold and (ii) dividends on all outstanding
shares of Designated Preferred Stock for the most recently completed Dividend Period have been or are contemporaneously declared
and paid (or have been declared and a sum sufficient for the payment thereof has been set aside for the benefit of the holders
of shares of Designated Preferred Stock on the applicable record date).</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.45pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.45pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
a dividend is not declared and paid on the Designated Preferred Stock in respect of any Dividend Period, then from the last day
of such Dividend Period until the last day of the third (3rd) Dividend Period immediately following it, neither the Issuer nor
any Issuer Subsidiary shall, redeem, purchase or acquire any shares of Common Stock, Junior Stock, Parity Stock or other capital
stock or other equity securities of any kind of the Issuer or any Issuer Subsidiary, or any trust preferred securities issued by
the Issuer or any Affiliate of the Issuer (&quot;Capital Stock&quot;), (other than (i) redemptions, purchases, repurchases or other
acquisitions of the Designated Preferred Stock and (ii) repurchases of Junior Stock or Common Stock in connection with the administration
of any employee benefit plan in the ordinary course of business (including purchases to offset any Share Dilution Amount pursuant
to a publicly announced repurchase plan) and consistent with past practice; <I>provided </I>that any purchases to offset the Share
Dilution Amount shall in no event exceed the Share Dilution Amount, (iii) the acquisition by the Issuer or any of the Issuer Subsidiaries
of record ownership in Junior Stock or Parity Stock for the beneficial ownership of any other persons (other than the Issuer or
any other Issuer Subsidiary), including as trustees or custodians, (iv) the exchange or conversion of Junior Stock for or into
other Junior Stock or of Parity Stock or trust preferred securities for or into other Parity Stock (with the same or lesser aggregate
liquidation amount) or Junior Stock, in each case set forth in this clause (iv), solely to the extent required pursuant to binding
contractual agreements entered into prior to the Signing Date or any subsequent agreement for the accelerated exercise, settlement
or exchange thereof for Common Stock, (v) redemptions of securities held by the Issuer or any wholly-owned Issuer Subsidiary or
(vi) redemptions, purchases or other acquisitions of capital stock or other equity securities of any kind of any Issuer Subsidiary
required pursuant to binding contractual agreements entered into prior to (x) if Treasury held Previously Acquired Preferred Shares
immediately prior to the Original Issue Date, the original issue date of such Previously Acquired Preferred Shares, or (y) otherwise,
the Signing Date).</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left">SBLF
Participant No. 0502&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.45pt">&nbsp;</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.45pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.1pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
the Issuer is not Publicly-Traded, then after the tenth (10th) anniversary of the Signing Date, so long as any share of Designated
Preferred Stock remains outstanding, no Common Stock, Junior Stock or Parity Stock shall be, directly or indirectly, purchased,
redeemed or otherwise acquired for consideration by the Issuer or any of its subsidiaries.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 74.15pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 74.15pt">Section 9. <U>No
Preemptive Rights</U>. No share of Designated Preferred Stock shall have any rights of preemption whatsoever as to any securities
of the Issuer, or any warrants, rights or options issued or granted with respect thereto, regardless of how such securities, or
such warrants, rights or options, may be designated, issued or granted.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.8pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.8pt">Section 10. <U>References
to Line Items of Supplemental Reports</U>. If Treasury modifies the form of Supplemental Report, pursuant to its rights under the
Definitive Agreement, and any such modification includes a change to the caption or number of any line item on the Supplemental
Report, then any reference herein to such line item shall thereafter be a reference to such re-captioned or re-numbered line item.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.8pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.8pt">Section 11. <U>Record
Holders</U>. To the fullest extent permitted by applicable law, the Issuer and the transfer agent for Designated Preferred Stock
may deem and treat the record holder of any share of Designated Preferred Stock as the true and lawful owner thereof for all purposes,
and neither the Issuer nor such transfer agent shall be affected by any notice to the contrary.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.8pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.8pt">Section 12. <U>Notices</U>.
All notices or communications in respect of Designated Preferred Stock shall be sufficiently given if given in writing and delivered
in person or by first class mail, postage prepaid, or if given in such other manner as may be permitted in this Certificate of
Designation, in the Charter or Bylaws or by applicable law. Notwithstanding the foregoing, if shares of Designated Preferred Stock
are issued in book-entry form through The Depository Trust Company or any similar facility, such notices may be given to the holders
of Designated Preferred Stock in any manner permitted by such facility.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.45pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.45pt">Section 13. <U>Replacement
Certificates</U>. The Issuer shall replace any mutilated certificate at the holder's expense upon surrender of that certificate
to the Issuer. The Issuer shall replace certificates that become destroyed, stolen or lost at the holder's expense upon delivery
to the Issuer of reasonably satisfactory evidence that the certificate has been destroyed, stolen or lost, together with any indemnity
that may be reasonably required by the Issuer.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left">SBLF
Participant No. 0502&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.45pt">&nbsp;</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.8pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.8pt">Section 14. <U>Other
Rights</U>. The shares of Designated Preferred Stock shall not have any rights, preferences, privileges or voting powers or relative,
participating, optional or other special rights, or qualifications, limitations or restrictions thereof, other than as set forth
herein or in the Charter or as provided by applicable law.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 73.8pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36.7pt">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Certificate
of Incorporation of the Corporation is hereby amended so that the designation and number of shares of the Senior Non-Cumulative
Perpetual Preferred Stock, Series B, no par value per share, acted upon in the resolutions set forth in Section 2 hereof, and the
relative rights, preferences and limitations of such shares, are as stated in the above resolutions.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left">SBLF
Participant No. 0502&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36.7pt">&nbsp;</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36.35pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36.35pt"><B>IN WITNESS
WHEREOF,</B> the undersigned corporation has caused this Certificate of Amendment to be executed on its behalf by its duly authorized
officer this 13th day of September, 2011.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 36.35pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; line-height: 12.95pt; text-autospace: none"><FONT STYLE="line-height: normal">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="text-indent: 0in; line-height: 12.95pt; text-autospace: none"><FONT STYLE="line-height: normal">CENTER
    BANCORP, INC.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; line-height: 12.95pt; text-autospace: none"><FONT STYLE="line-height: normal">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="text-indent: 0in; line-height: 12.95pt; text-autospace: none"><FONT STYLE="line-height: normal">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 47%; text-indent: 0in; line-height: 12.95pt; text-autospace: none"><FONT STYLE="line-height: normal">&nbsp;</FONT></TD>
    <TD STYLE="width: 3%; text-indent: 0in; line-height: 12.95pt; text-autospace: none"><FONT STYLE="line-height: normal">By:&nbsp;</FONT></TD>
    <TD STYLE="width: 50%; text-indent: 0in; line-height: 12.95pt; text-autospace: none; border-bottom: Black 1pt solid"><FONT STYLE="line-height: normal">/s/
    Vincent N. Tozzi</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; line-height: 12.95pt; text-autospace: none"><FONT STYLE="line-height: normal">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; line-height: 12.95pt; text-autospace: none"><FONT STYLE="line-height: normal">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in; line-height: 12.95pt; text-autospace: none"><FONT STYLE="line-height: normal">Vincent N.
    Tozzi</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; line-height: 12.25pt; text-autospace: none"><FONT STYLE="line-height: normal">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left; line-height: 12.25pt; text-autospace: none"><FONT STYLE="line-height: normal">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left; line-height: 12.25pt; text-autospace: none"><FONT STYLE="line-height: normal">Senior Vice President,
    Treasurer and <BR>
Chief Financial Officer</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; line-height: 12.25pt; text-autospace: none">&nbsp;</TD>
    <TD STYLE="text-align: left; line-height: 12.25pt; text-autospace: none">&nbsp;</TD>
    <TD STYLE="text-align: left; line-height: 12.25pt; text-autospace: none">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; line-height: 12.25pt; text-autospace: none">SBLF
Participant No. 0502&nbsp;</TD>
    <TD STYLE="text-align: left; line-height: 12.25pt; text-autospace: none">&nbsp;</TD>
    <TD STYLE="text-align: left; line-height: 12.25pt; text-autospace: none">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 3.35in; text-align: left">&nbsp;&nbsp;</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B><I>STATE OF NEW JERSEY</I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0in"><B><I>DEPARTMENT OF
THE TREASURY</I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0in"><B><I>FILING
CERTIFICATION (CERTIFIED COPY)</I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0in"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0in"><B><I>CENTER BANCORP,
INC.</I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B><I>0100181324</I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-indent: 20.15pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-indent: 20.5pt"><I>I, the Treasurer of the State of
New Jersey, do hereby certify, that the above named business did file and record in this department a Certificate of Amendment
on September 21st, 2011 and that the attached is a true copy of this document as the same is taken from and compared with the original(s)
filed in this office and now remaining on file and of record.</I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-indent: 20.5pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="font-style: italic; text-align: center">&nbsp;<img src="seal.jpg"></TD>
    <TD STYLE="font-style: italic; text-align: left; vertical-align: bottom">IN TESTIMONY WHEREOF, I have hereunto set my hand and affixed my Official Seal at Trenton, this 21st day of September, 2011&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-style: italic; text-align: center">&nbsp;</TD>
    <TD STYLE="font-style: italic">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-style: italic; text-align: center">&nbsp;</TD>
    <TD STYLE="font-style: italic">/s/ Andrew P Sidamon-Eristoff&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-style: italic; text-align: center">&nbsp;</TD>
    <TD STYLE="font-style: italic">Andrew P Sidamon-Eristoff&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-style: italic; text-align: center">Certificate Number; 121622860</TD>
    <TD STYLE="font-style: italic">State Treasurer</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-style: italic; text-align: center">&nbsp;</TD>
    <TD STYLE="font-style: italic">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-style: italic; text-align: center">Verify this certificate online at</TD>
    <TD STYLE="font-style: italic">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-style: italic; text-align: center">&nbsp;</TD>
    <TD STYLE="font-style: italic">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-style: italic; text-align: center">https://www1.state.nj.us/TYTR_StandingCert/JSP/Verify_Cert.jsp</TD>
    <TD STYLE="font-style: italic">&nbsp;</TD></TR>
</TABLE>


<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; text-align: left; margin-bottom: 0"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left">&nbsp;</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0in"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: normal; text-align: center; font-style: normal">(COR)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 70%; font-weight: bold">&nbsp;</TD>
    <TD STYLE="width: 30%; text-align: center">FILED</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">SEP 21 2011</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="text-align: center">STATE TREASURER</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: normal; text-align: center; font-style: normal">0100181324</TD></TR>
</TABLE>


<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><B>CERTIFICATE OF
CORRECTION</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><B>TO</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><B>CERTIFICATE OF
AMENDMENT</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><B>OF</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><B>CERTIFICATE OF
INCORPORATION</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><B>OF</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><B>CENTER BANCORP, INC.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><B>Pursuant to N.J.S.
14A: 1-6(5)</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal">It
</FONT>is hereby certified that:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 70.55pt; text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 70.55pt; text-indent: 0in"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif; font-variant: small-caps">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>The
name of the corporation is Center Bancorp, Inc. (the &quot;Corporation&quot;).</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 68.75pt"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif; font-variant: small-caps">&nbsp;</FONT></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 68.75pt"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Certificate of Amendment of the Corporation's Certificate of Incorporation, which was filed by the New Jersey State Treasurer
on September 13, 2011 (the &quot;Certificate of Amendment"), is hereby corrected.</FONT></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 68.75pt"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif; font-variant: small-caps">&nbsp;</FONT></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 68.75pt"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif; font-variant: small-caps">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>The
inaccuracy to be corrected in the Certificate of Amendment is contained in Section 3(a)(i)(l) of Schedule A of such Certificate
of Amendment, which describes the payment of dividends.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 70.55pt; text-indent: 0in"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif; font-variant: small-caps">&nbsp;</FONT></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 70.55pt; text-indent: 0in"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif; font-variant: small-caps">4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>The
portion of the Certificate of Amendment in corrected form is as follows:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 70.2pt; text-indent: 33.85pt"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif; font-variant: small-caps">&nbsp;</FONT></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 70.2pt; text-indent: 33.85pt"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif; font-variant: small-caps">&quot;(1).
</FONT>With respect to the Initial Dividend Period, the Applicable Dividend Rate shall be five percent (5%).&quot;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif; font-variant: small-caps">&nbsp;</FONT></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-indent: 34.2pt"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif; font-variant: small-caps"><B>IN
</B></FONT><B>WITNESS WHEREOF,</B> the undersigned has executed this Certificate of Correction on September 21, 2011.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-indent: 0in"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif; font-variant: small-caps">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none; font-weight: normal"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif; font-variant: small-caps">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="text-autospace: none; font-weight: normal"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif; font-variant: small-caps">CENTER
    BANCORP, INC.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif; font-variant: small-caps">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="text-autospace: none"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif; font-variant: small-caps">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; text-autospace: none; text-align: justify"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif; font-variant: small-caps">&nbsp;</FONT></TD>
    <TD STYLE="width: 3%; text-autospace: none; text-align: justify"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif">By:&nbsp;</FONT>&nbsp;</TD>
    <TD STYLE="width: 47%; text-autospace: none; text-align: justify; border-bottom: Black 1pt solid">/s/ <FONT STYLE="font: normal 10pt Times New Roman, Times, Serif">Vincent
    N. Tozzi</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none; font-weight: normal"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif; font-variant: small-caps">&nbsp;</FONT></TD>
    <TD STYLE="text-autospace: none; font-weight: normal"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif; font-variant: small-caps">&nbsp;</FONT></TD>
    <TD STYLE="text-autospace: none; font-weight: normal">Name: Vincent N. Tozzi</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-autospace: none; font-weight: normal"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif; font-variant: small-caps">&nbsp;</FONT></TD>
    <TD STYLE="text-autospace: none; font-weight: normal"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif; font-variant: small-caps">&nbsp;</FONT></TD>
    <TD STYLE="text-autospace: none; font-weight: normal"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif">Title:
    </FONT>Senior Vice President</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">C3071/1</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">09/21/2011 18431678.1</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

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<DOCUMENT>
<TYPE>EX-12.1
<SEQUENCE>3
<FILENAME>v304291_ex12x1.htm
<DESCRIPTION>EXHIBIT 12.1
<TEXT>
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<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-indent:0pt; text-align: right; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>Exhibit 12.1</B> </P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Statement of Ratios of Earnings to Fixed Charges </H1>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="273"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="49"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="49"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="49"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="49"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="57"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>Year ended December 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2009</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2008</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2007</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19><FONT STYLE="font-weight: normal">(Dollars in Thousands)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1><P STYLE="padding-left: 15pt; text-indent: -15pt; margin-bottom: -12pt">&nbsp;&nbsp;</P><P STYLE="margin-top: 0pt; padding-left: 15pt">Earnings:<BR></P></TD>          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><P STYLE="padding-left: 15pt; text-indent: -15pt; margin-bottom: -12pt">1.</P><P STYLE="margin-top: 0pt; padding-left: 15pt">Income before income taxes</P></TD>          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 21,337</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 7,226</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 4,717</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 7,409</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 923</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><P STYLE="padding-left: 15pt; text-indent: -15pt; margin-bottom: -12pt">2.</P><P STYLE="margin-top: 0pt; padding-left: 15pt">Plus: interest expense</P></TD>          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>12,177</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>14,785</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>22,645</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>24,095</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>30,630</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><P STYLE="padding-left: 15pt; text-indent: -15pt; margin-bottom: -12pt">3.</P><P STYLE="margin-top: 0pt; padding-left: 15pt">Earnings including interest on deposits</P></TD>          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>33,514</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>22,011</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>27,362</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>31,504</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>31,553</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><P STYLE="padding-left: 15pt; text-indent: -15pt; margin-bottom: -12pt">4.</P><P STYLE="margin-top: 0pt; padding-left: 15pt">Less: interest on deposits</P></TD>          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,520</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6,006</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>12,308</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>13,287</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>20,835</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><P STYLE="padding-left: 15pt; text-indent: -15pt; margin-bottom: -12pt">5.</P><P STYLE="margin-top: 0pt; padding-left: 15pt">Earnings excluding interest on deposits</P></TD>          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 27,994</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 16,005</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 15,054</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 18,217</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 10,718</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1><P STYLE="padding-left: 15pt; text-indent: -15pt; margin-bottom: -12pt">&nbsp;&nbsp;</P><P STYLE="margin-top: 0pt; padding-left: 15pt">Fixed Charges:<BR></P></TD>          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><P STYLE="padding-left: 15pt; text-indent: -15pt; margin-bottom: -12pt">6.</P><P STYLE="margin-top: 0pt; padding-left: 15pt">Interest expense (Line 2)</P></TD>          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 12,177</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 14,785</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 22,645</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 24,095</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 30,630</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><P STYLE="padding-left: 15pt; text-indent: -15pt; margin-bottom: -12pt">7.</P><P STYLE="margin-top: 0pt; padding-left: 15pt">Less: interest expense on deposits (Line 4)</P></TD>          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,520</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6,006</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>12,308</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>13,287</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>20,835</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><P STYLE="padding-left: 15pt; text-indent: -15pt; margin-bottom: -12pt">8.</P><P STYLE="margin-top: 0pt; padding-left: 15pt">Excluding interest on deposits</P></TD>          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 6,657</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 8,779</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 10,337</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 10,808</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 9,795</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1><P STYLE="padding-left: 15pt; text-indent: -15pt; margin-bottom: -12pt">&nbsp;&nbsp;</P><P STYLE="margin-top: 0pt; padding-left: 15pt">Ratio of Earnings to Fixed Charges:<BR></P></TD>          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><P STYLE="padding-left: 15pt; text-indent: -15pt; margin-bottom: -12pt">&nbsp;&nbsp;</P><P STYLE="margin-top: 0pt; padding-left: 15pt">Including interest on deposits<BR> &nbsp;(line 3 divided by Line 6)</P></TD>          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.75</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.49</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.21</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.31</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.03</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><P STYLE="padding-left: 15pt; text-indent: -15pt; margin-bottom: -12pt">&nbsp;&nbsp;</P><P STYLE="margin-top: 0pt; padding-left: 15pt">Excluding interest on deposits<BR> &nbsp;(line 5 divided by Line 8)</P></TD>          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.21</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.82</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.46</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.69</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.09</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

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<DOCUMENT>
<TYPE>EX-21.1
<SEQUENCE>4
<FILENAME>v304291_ex21x1.htm
<DESCRIPTION>EXHIBIT 21.1
<TEXT>
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<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Subsidiaries of the Registrant as of December 31, 2011 </H1>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table sets forth the names of the registrant&#146;s direct and indirect subsidiaries and the state or other jurisdiction of incorporation of each such entity. In each case, the names listed subsidiaries are the same as the names under which such subsidiaries do business. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

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          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>Name</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>Incorporation</TD>

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          <TD STYLE="padding-left: 10pt; text-indent: -10pt" ROWSPAN=1 COLSPAN=1>Union Center National Bank</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">National bank organized under the laws of the United States</TD>

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          <TD STYLE="padding-left: 10pt; text-indent: -10pt" ROWSPAN=1 COLSPAN=1>Center Bancorp Statutory Trust II</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Delaware</TD>

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          <TD STYLE="padding-left: 10pt; text-indent: -10pt" ROWSPAN=1 COLSPAN=1>Union Investment Co.</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">New Jersey</TD>

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          <TD STYLE="padding-left: 10pt; text-indent: -10pt" ROWSPAN=1 COLSPAN=1>Center Financial Group, LLC</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">New Jersey</TD>

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          <TD STYLE="padding-left: 10pt; text-indent: -10pt" ROWSPAN=1 COLSPAN=1>Center Advertising Corporation</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">New Jersey</TD>

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          <TD STYLE="padding-left: 10pt; text-indent: -10pt" ROWSPAN=1 COLSPAN=1>Morris Property Company, LLC</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">New Jersey</TD>

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          <TD STYLE="padding-left: 10pt; text-indent: -10pt" ROWSPAN=1 COLSPAN=1>Twin Bridge Investment Co.</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Delaware</TD>

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</TABLE></DIV>

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<TYPE>EX-23.1
<SEQUENCE>5
<FILENAME>v304291_ex23x1.htm
<DESCRIPTION>EXHIBIT 23.1
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<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Consent of Independent Registered Public Accounting Firm </H1>

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<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">We hereby consent to the incorporation by reference in the Registration Statements on Form S-3 No. 333-100884, No. 333-110710, No.333-157189, and No. 333-165787 and Form S-8 No. 333-37436, No. 333-37434, No. 333-116174, No. 333-125747, No. 333-148323 and No. 333-160111 of Center Bancorp, Inc. of our reports dated March 13, 2012, relating to the consolidated financial statements and the effectiveness of Center Bancorp, Inc.&#146;s internal control over financial reporting, which appear in this Form 10-K. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">ParenteBeard LLC<BR> Clark, New Jersey<BR> March 13, 2012 </P>

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<TYPE>EX-31.1
<SEQUENCE>6
<FILENAME>v304291_ex31x1.htm
<DESCRIPTION>EXHIBIT 31.1
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<P STYLE="text-indent:0pt; text-align: right; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>EXHIBIT 31.1</B> </P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CERTIFICATION </H1>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">I, Anthony C. Weagley, certify that: </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">1.&nbsp;&nbsp;I have reviewed this Annual Report on Form 10-K of Center Bancorp, Inc.; </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">2.&nbsp;&nbsp;Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report; </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">3.&nbsp;&nbsp;Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report; </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">4.&nbsp;&nbsp;The registrant&#146;s other certifying officer(s) and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15 (e) and 15d-15 (e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15 (f) and 15d-15(f)) for the registrant and have: </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">a)&nbsp;&nbsp;designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to me by others within those entities, particularly during the period on which this report is being prepared; </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">b)&nbsp;&nbsp;designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under my supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles; </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">c)&nbsp;&nbsp;evaluated the effectiveness of the registrant&#146;s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">d)&nbsp;&nbsp;disclosed in this report any change in the registrant&#146;s internal control over financial reporting that occurred during the registrant&#146;s most recent fiscal quarter (the registrant&#146;s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant&#146;s internal control over financial reporting. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">5.&nbsp;&nbsp;The registrant&#146;s other certifying officer(s) and I have disclosed, based on my most recent evaluation of internal control over financial reporting, to the registrant&#146;s auditors and the audit committee of the registrant&#146;s board of directors (or persons performing that equivalent functions): </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">a)&nbsp;&nbsp;all significant deficiencies and material weakness in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant&#146;s ability to record, process, summarize and report financial information; and </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">b)&nbsp;&nbsp;any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant&#146;s internal control over financial reporting. </P>

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          <TD STYLE="padding-left: 10pt; text-indent: -10pt" ROWSPAN=1 COLSPAN=1>Dated: March 13, 2012</TD>

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          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">/s/ Anthony C. Weagley<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt">Anthony C. Weagley<BR>President and Chief Executive Officer</TD>

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<TYPE>EX-31.2
<SEQUENCE>7
<FILENAME>v304291_ex31x2.htm
<DESCRIPTION>EXHIBIT 31.2
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<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CERTIFICATION </H1>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">I, Vincent N. Tozzi, certify that: </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">1.&nbsp;&nbsp;I have reviewed this Annual Report on Form 10-K of Center Bancorp, Inc.; </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">2.&nbsp;&nbsp;Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report; </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">3.&nbsp;&nbsp;Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report; </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">4.&nbsp;&nbsp;The registrant&#146;s other certifying officer(s) and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15 (e) and 15d-15 (e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15 (f) and 15d-15(f)) for the registrant and have: </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">a)&nbsp;&nbsp;designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to me by others within those entities, particularly during the period on which this report is being prepared; </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">b)&nbsp;&nbsp;designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under my supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles; </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">c)&nbsp;&nbsp;evaluated the effectiveness of the registrant&#146;s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">d)&nbsp;&nbsp;disclosed in this report any change in the registrant&#146;s internal control over financial reporting that occurred during the registrant&#146;s most recent fiscal quarter (the registrant&#146;s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant&#146;s internal control over financial reporting. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">5.&nbsp;&nbsp;The registrant&#146;s other certifying officer(s) and I have disclosed, based on my most recent evaluation of internal control over financial reporting, to the registrant&#146;s auditors and the audit committee of the registrant&#146;s board of directors (or persons performing that equivalent functions): </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">a)&nbsp;&nbsp;all significant deficiencies and material weakness in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant&#146;s ability to record, process, summarize and report financial information; and </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">b)&nbsp;&nbsp;any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant&#146;s internal control over financial reporting. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

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          <TD STYLE="padding-left: 10pt; text-indent: -10pt" ROWSPAN=1 COLSPAN=1>Dated: March 13, 2012</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">/s/ Vincent N. Tozzi<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt">Vincent N. Tozzi<BR>Vice President, Treasurer and<BR> Chief Financial Officer</TD>

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<TYPE>EX-32.1
<SEQUENCE>8
<FILENAME>v304291_ex32x1.htm
<DESCRIPTION>EXHIBIT 32.1
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<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-indent:0pt; text-align: right; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>EXHIBIT 32.1</B> </P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CERTIFICATION PURSUANT TO<BR> 18 U.S.C. SECTION 1350,<BR> AS ADOPTED PURSUANT TO<BR> SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 </H1>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In connection with the Annual Report of Center Bancorp, Inc. (the &#147;Corporation&#148;) on Form 10-K for the year ended December 31, 2011 filed with the Securities and Exchange Commission (the &#147;Report&#148;), I, Anthony C. Weagley, President and Chief Executive Officer of the Corporation, certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that to my knowledge: </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">1.&nbsp;&nbsp;The Report fully complies with the requirements of Section 13 (a) of the Securities Exchange Act of 1934; and </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">2.&nbsp;&nbsp;The information contained in the Report fairly presents, in all material respects, the consolidated financial condition of the Corporation as of the dates presented and the consolidated results of operations of the Corporation for the periods presented. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

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          <TD STYLE="padding-left: 10pt; text-indent: -10pt" ROWSPAN=1 COLSPAN=1>Dated: March 13, 2012</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">/s/ Anthony C. Weagley<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt">Anthony C. Weagley<BR>President and Chief Executive Officer</TD>

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<TYPE>EX-32.2
<SEQUENCE>9
<FILENAME>v304291_ex32x2.htm
<DESCRIPTION>EXHIBIT 32.2
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<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-indent:0pt; text-align: right; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>EXHIBIT 32.2</B> </P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CERTIFICATION PURSUANT TO<BR> 18 U.S.C. SECTION 1350,<BR> AS ADOPTED PURSUANT TO<BR> SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 </H1>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In connection with the Annual Report of Center Bancorp, Inc. (the &#147;Corporation&#148;) on Form 10-K for the year ended December 31, 2011 filed with the Securities and Exchange Commission (the &#147;Report&#148;), I, Vincent N. Tozzi, Vice President, Treasurer and Chief Financial Officer of the Corporation, certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that to my knowledge: </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">1.&nbsp;&nbsp;The Report fully complies with the requirements of Section 13 (a) of the Securities Exchange Act of 1934; and </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">2.&nbsp;&nbsp;The information contained in the Report fairly presents, in all material respects, the consolidated financial condition of the Corporation as of the dates presented and the consolidated results of operations of the Corporation for the periods presented. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

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          <TD STYLE="padding-left: 10pt; text-indent: -10pt" ROWSPAN=1 COLSPAN=1>Dated: March 13, 2012</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">/s/ Vincent N. Tozzi<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt">Vincent N. Tozzi<BR>Vice President, Treasurer and<BR> Chief Financial Officer</TD>

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<TYPE>EX-99.1
<SEQUENCE>10
<FILENAME>v304291_ex99x1.htm
<DESCRIPTION>EXHIBIT 99.1
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<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><U>Exhibit 99.1</U> </H1>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Center Bancorp, Inc.<BR> Certification of Chief Executive Officer<BR> Pursuant to Section 111(b)(4) of the<BR> Emergency Economic Stabilization Act of 2008 </H1>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">I, Anthony C. Weagley, certify, based on my knowledge, that: </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">i.&nbsp;&nbsp;The Compensation Committee of Center Bancorp, Inc. (the &#147;Company&#148;) has discussed, reviewed, and evaluated with senior risk officers at least every six months during any part of the most recently completed fiscal year that was a TARP period, senior executive officer (&#147;SEO&#148;) compensation plans and employee compensation plans and the risks these plans pose to the Company; </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">ii.&nbsp;&nbsp;The Compensation Committee of the Company has identified and limited during any part of the most recently completed fiscal year that was a TARP period any features of the SEO compensation plans that could lead SEOs to take unnecessary and excessive risks that could threaten the value of the Company and has identified any features of the employee compensation plans that pose risks to the Company and has limited those features to ensure that the Company is not unnecessarily exposed to risks; </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">iii.&nbsp;&nbsp;The Compensation Committee has reviewed, at least every six months during any part of the most recently completed fiscal year that was a TARP period, the terms of each employee compensation plan and identified any features of the plan that could encourage the manipulation of reported earnings of the Company to enhance the compensation of an employee, and has limited any such features; </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">iv.&nbsp;&nbsp;The Compensation Committee of the Company will certify to the reviews of the SEO compensation plans and employee compensation plans required under (i) and (iii) above; </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">v.&nbsp;&nbsp;The Compensation Committee of the Company will provide a narrative description of how it limited during any part of the most recently completed fiscal year that was a TARP period the features in: </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">(A)&nbsp;&nbsp;SEO compensation plans that could lead SEOs to take unnecessary and excessive risks that could threaten the value of the Company; </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">(B)&nbsp;&nbsp;Employee compensation plans that unnecessarily expose the Company to risks; and </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">(C)&nbsp;&nbsp;Employee compensation plans that could encourage the manipulation of reported earnings of the Company to enhance the compensation of an employee; </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">vi.&nbsp;&nbsp;The Company has required that bonus payments to SEOs or any of the next twenty most highly compensated employees, as defined in the regulations and guidance established under section 111 of EESA (bonus payments), be subject to a recovery or &#147;clawback&#148; provision during any part of the most recently completed fiscal year that was a TARP period if the bonus payments were based on materially inaccurate financial statements or any other materially inaccurate performance metric criteria; </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">vii.&nbsp;&nbsp;The Company has prohibited any golden parachute payment, as defined in the regulations and guidance established under section 111 of EESA, to a SEO or any of the next five most highly compensated employees during any part of the most recently completed fiscal year that was a TARP period; </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">viii.&nbsp;&nbsp;The Company has limited bonus payments to its applicable employees in accordance with section 111 of EESA and the regulations and guidance established thereunder during any part of the most recently completed fiscal year that was a TARP period; </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">ix.&nbsp;&nbsp;The Company and its employees have complied with the excessive or luxury expenditures policy, as defined in the regulations and guidance established under section 111 of EESA, during any part of the most recently completed fiscal year that was a TARP period; and any expenses that, pursuant to the policy, required approval of the board of directors, a committee of the board of directors, an SEO, or an executive officer with a similar level of responsibility were properly approved; </P>

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<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

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<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">x.&nbsp;&nbsp;The Company and its employees have complied with the excessive or luxury expenditures policy, as defined in the regulations and guidance established under section 111 of EESA, during any part of the most recently completed fiscal year that was a TARP period; and any expenses that, pursuant to the policy, required approval of the board of directors, a committee of the board of directors, an SEO, or an executive officer with a similar level of responsibility were properly approved; </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">xi.&nbsp;&nbsp;The Company will disclose the amount, nature, and justification for the offering, during any part of the most recently completed fiscal year that was a TARP period, of any perquisites, as defined in the regulations and guidance established under section 111 of EESA, whose total value exceeds $25,000 for any employee who is subject to the bonus payment limitations identified in paragraph (viii); </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">xii.&nbsp;&nbsp;The Company will disclose whether the Company, the board of directors of the Company or the Compensation Committee of the Company has engaged during any part of the most recently completed fiscal year that was a TARP period a compensation consultant; and the services the compensation consultant or any affiliate of the compensation consultant provided during this period; </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">xiii.&nbsp;&nbsp;The Company has prohibited the payment of any gross-ups, as defined in the regulations and guidance established under section 111 of EESA, to the SEOs and the next twenty most highly compensated employees during any part of the most recently completed fiscal year that was a TARP period; </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">xiv.&nbsp;&nbsp;The Company has substantially complied with all other requirements related to employee compensation that are provided in the agreement between the Company and Treasury, including any amendments; </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">xv.&nbsp;&nbsp;The Company has submitted to Treasury a complete and accurate list of the SEOs and the twenty next most highly compensated employees for the current fiscal year, with the non-SEOs ranked in descending order of level of annual compensation, and with the name, title, and employer of each SEO and most highly compensated employee identified; and </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">xvi.&nbsp;&nbsp;I understand that a knowing and willful false or fraudulent statement made in connection with this certification may be punished by fine, imprisonment, or both. (See, for example, 18 U.S.C. 1001) </P>

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          <TD STYLE="padding-left: 10pt; text-indent: -10pt" ROWSPAN=1 COLSPAN=1>Date: March 13, 2012</TD>

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          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">/s/ Anthony C. Weagley<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt">Anthony C. Weagley<BR>President and Chief Executive Officer</TD>

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<TYPE>EX-99.2
<SEQUENCE>11
<FILENAME>v304291_ex99x2.htm
<DESCRIPTION>EXHIBIT 99.2
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<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><U>Exhibit 99.2</U> </H1>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Center Bancorp, Inc.<BR> Certification of Chief Financial Officer<BR> Pursuant to Section 111(b)(4) of the<BR> Emergency Economic Stabilization Act of 2008 </H1>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">I, Vincent N. Tozzi, certify, based on my knowledge, that: </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">i.&nbsp;&nbsp;The Compensation Committee of Center Bancorp, Inc. (the &#147;Company&#148;) has discussed, reviewed, and evaluated with senior risk officers at least every six months during any part of the most recently completed fiscal year that was a TARP period, senior executive officer (&#147;SEO&#148;) compensation plans and employee compensation plans and the risks these plans pose to the Company; </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">ii.&nbsp;&nbsp;The Compensation Committee of the Company has identified and limited during any part of the most recently completed fiscal year that was a TARP period any features of the SEO compensation plans that could lead SEOs to take unnecessary and excessive risks that could threaten the value of the Company and has identified any features of the employee compensation plans that pose risks to the Company and has limited those features to ensure that the Company is not unnecessarily exposed to risks; </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">iii.&nbsp;&nbsp;The Compensation Committee has reviewed, at least every six months during any part of the most recently completed fiscal year that was a TARP period, the terms of each employee compensation plan and identified any features of the plan that could encourage the manipulation of reported earnings of the Company to enhance the compensation of an employee, and has limited any such features; </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">iv.&nbsp;&nbsp;The Compensation Committee of the Company will certify to the reviews of the SEO compensation plans and employee compensation plans required under (i) and (iii) above; </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">v.&nbsp;&nbsp;The Compensation Committee of the Company will provide a narrative description of how it limited during any part of the most recently completed fiscal year that was a TARP period the features in: </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">(A)&nbsp;&nbsp;SEO compensation plans that could lead SEOs to take unnecessary and excessive risks that could threaten the value of the Company; </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">(B)&nbsp;&nbsp;Employee compensation plans that unnecessarily expose the Company to risks; and </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">(C)&nbsp;&nbsp;Employee compensation plans that could encourage the manipulation of reported earnings of the Company to enhance the compensation of an employee; </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">vi.&nbsp;&nbsp;The Company has required that bonus payments to SEOs or any of the next twenty most highly compensated employees, as defined in the regulations and guidance established under section 111 of EESA (bonus payments), be subject to a recovery or &#147;clawback&#148; provision during any part of the most recently completed fiscal year that was a TARP period if the bonus payments were based on materially inaccurate financial statements or any other materially inaccurate performance metric criteria; </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">vii.&nbsp;&nbsp;The Company has prohibited any golden parachute payment, as defined in the regulations and guidance established under section 111 of EESA, to a SEO or any of the next five most highly compensated employees during any part of the most recently completed fiscal year that was a TARP period; </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">viii.&nbsp;&nbsp;The Company has limited bonus payments to its applicable employees in accordance with section 111 of EESA and the regulations and guidance established thereunder during any part of the most recently completed fiscal year that was a TARP period; </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">ix.&nbsp;&nbsp;The Company and its employees have complied with the excessive or luxury expenditures policy, as defined in the regulations and guidance established under section 111 of EESA, during any part of the most recently completed fiscal year that was a TARP period; and any expenses that, pursuant to the policy, required approval of the board of directors, a committee of the board of directors, an SEO, or an executive officer with a similar level of responsibility were properly approved; </P>

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<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

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<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">x.&nbsp;&nbsp;The Company and its employees have complied with the excessive or luxury expenditures policy, as defined in the regulations and guidance established under section 111 of EESA, during any part of the most recently completed fiscal year that was a TARP period; and any expenses that, pursuant to the policy, required approval of the board of directors, a committee of the board of directors, an SEO, or an executive officer with a similar level of responsibility were properly approved; </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">xi.&nbsp;&nbsp;The Company will disclose the amount, nature, and justification for the offering, during any part of the most recently completed fiscal year that was a TARP period, of any perquisites, as defined in the regulations and guidance established under section 111 of EESA, whose total value exceeds $25,000 for any employee who is subject to the bonus payment limitations identified in paragraph (viii); </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">xii.&nbsp;&nbsp;The Company will disclose whether the Company, the board of directors of the Company or the Compensation Committee of the Company has engaged during any part of the most recently completed fiscal year that was a TARP period a compensation consultant; and the services the compensation consultant or any affiliate of the compensation consultant provided during this period; </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">xiii.&nbsp;&nbsp;The Company has prohibited the payment of any gross-ups, as defined in the regulations and guidance established under section 111 of EESA, to the SEOs and the next twenty most highly compensated employees during any part of the most recently completed fiscal year that was a TARP period; </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">xiv.&nbsp;&nbsp;The Company has substantially complied with all other requirements related to employee compensation that are provided in the agreement between the Company and Treasury, including any amendments; </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">xv.&nbsp;&nbsp;The Company has submitted to Treasury a complete and accurate list of the SEOs and the twenty next most highly compensated employees for the current fiscal year, with the non-SEOs ranked in descending order of level of annual compensation, and with the name, title, and employer of each SEO and most highly compensated employee identified; and </P>

<P STYLE="text-indent:20px; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">xvi.&nbsp;&nbsp;I understand that a knowing and willful false or fraudulent statement made in connection with this certification may be punished by fine, imprisonment, or both. (See, for example, 18 U.S.C. 1001) </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-top; text-indent:0px; text-align: left; font-family: serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

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          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

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          <TD STYLE="padding-left: 10pt; text-indent: -10pt" ROWSPAN=1 COLSPAN=1>Dated: March 13, 2012</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">/s/ Vincent N. Tozzi<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt">Vincent N. Tozzi<BR>Vice President, Treasurer and<BR> Chief Financial Officer</TD>

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</TABLE></DIV>

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  <us-gaap:AccountingChangesAndErrorCorrectionsTextBlock contextRef="Duration_1_1_2011_To_12_31_2011">&lt;div&gt; &lt;div style="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;" align="left"&gt;

&lt;div style="min-width: 708px; text-align: center;"&gt;

&lt;h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;"&gt;Note 2&amp;nbsp;&amp;#8212;&amp;nbsp;Recent Accounting Pronouncements &lt;/h2&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;In April 2011, the FASB issued ASU No. 2011-03, &lt;i&gt;"Reconsideration of Effective Control for Repurchase Agreements."&lt;/i&gt; ASU No. 2011-03 modifies the criteria for determining when repurchase agreements would be accounted for as a secured borrowing rather than as a sale. Currently, an entity that maintains effective control over transferred financial assets must account for the transfer as a secured borrowing rather than as a sale. The provisions of ASU No. 2011-03 removes from the assessment of effective control the criterion requiring the transferor to have the ability to repurchase or redeem the financial assets on substantially the agreed terms, even in the event of default by the transferee. The FASB believes that contractual rights and obligations determine effective control and that there does not need to be a requirement to assess the ability to exercise those rights. ASU No. 2011-03 does not change the other existing criteria used in the assessment of effective control. The provisions of ASU No. 2011-03 are effective prospectively for transactions, or modifications of existing transactions, that occur on or after January 1, 2012. As the Corporation accounts for all of its repurchase agreements as collateralized financing arrangements, the adoption of this ASU is not expected to have a material impact on the Corporation's statements of income and condition. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;In May 2011, the FASB issued ASU No. 2011-04, &lt;i&gt;"Amendments to Achieve Common Fair Value Measurement and Disclosure Requirements in U.S. GAAP and IFRSs."&lt;/i&gt; ASU No. 2011-04 results in a consistent definition of fair value and common requirements for measurement of and disclosure about fair value between U.S. GAAP and International Financial Reporting Standards ("IFRS"). The changes to U.S. GAAP as a result of ASU No. 2011-04 are as follows: (1) The concepts of highest and best use and valuation premise are only relevant when measuring the fair value of nonfinancial assets (that is, it does not apply to financial assets or any liabilities); (2) U.S. GAAP currently prohibits application of a blockage factor in valuing financial instruments with quoted prices in active markets; ASU No. 2011-04 extends that prohibition to all fair value measurements; (3) An exception is provided to the basic fair value measurement principles for an entity that holds a group of financial assets and financial liabilities with offsetting positions in market risks or counterparty credit risk that are managed on the basis of the entity's net exposure to either of those risks; this exception allows the entity, if certain criteria are met, to measure the fair value of the net asset or liability position in a manner consistent with how market participants would price the net risk position; (4) Aligns the fair value measurement of instruments classified within an entity's shareholders' equity with the guidance for liabilities; and (5) Disclosure requirements have been enhanced for recurring Level 3 fair value measurements to disclose quantitative information about unobservable inputs and assumptions used, to describe the valuation processes used by the entity, and to describe the sensitivity of fair value measurements to changes in unobservable inputs and interrelationships between those inputs. In addition, entities must report the level in the fair value hierarchy of items that are not measured at fair value in the statement of condition but whose fair value must be disclosed. The provisions of ASU No. 2011-04 are effective for the Corporation's interim reporting period beginning on or after December 15, 2011. The adoption of ASU No. 2011-04 is not expected to have a material impact on the Corporation's statements of income or statements of condition. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;In June 2011, the FASB issued ASU No. 2011-05, "&lt;i&gt;Presentation of Comprehensive Income." &lt;/i&gt;The provisions of ASU No. 2011-05 allow an entity the option to present the total of comprehensive income, the components of net income, and the components of other comprehensive income either in a single continuous statement of comprehensive income or in two separate but consecutive statements. In both choices, an entity is required to present each component of net income along with total net income, each component of other comprehensive income along with a total for other comprehensive income, and a total amount for comprehensive income. The statement(s) are required to be presented with equal prominence as the other primary financial statements. ASU No. 2011-05 eliminates the option to present the components of other comprehensive income as part of the statement of changes in shareholders' equity but does not change the items that must be reported in other comprehensive income or when an item of other comprehensive income must be reclassified to net income. The provisions of ASU No. 2011-05 are effective for the Corporation's interim reporting period beginning on or after December 15, 2011, with retrospective application required. The adoption of ASU No. 2011-05 is expected to result in presentation changes to the Corporation's statements of income and the addition of a statement of comprehensive income. The adoption of ASU No. 2011-05 will have no impact on the Corporation's statements of condition. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;In September 2011, the FASB issued ASU No. 2011-08, "&lt;i&gt;Intangibles &amp;#8212; Goodwill and Other (Topic 350): Testing Goodwill for Impairment&lt;/i&gt;", which permits an entity to first perform a qualitative assessment to determine whether it is more likely than not that the fair value of a reporting unit is less than its carrying amount. If an entity believes, as a result of its qualitative assessment, that it is more likely than not that the fair value of a reporting unit is less than its carrying amount, the quantitative impairment test is required. Otherwise, no further impairment testing is required. The provisions of ASU No. 2011-08 are effective for the Corporation's interim goodwill impairment tests performed for fiscal years beginning after December 15, 2011. Early adoption is permitted, provided that the entity has not yet performed its annual impairment test for goodwill. The Corporation performs its annual impairment test for goodwill in the fourth quarter of each year. The adoption of ASU No. 2011-08 is not expected to have a material impact on the Corporation's statements of income and statements of condition. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;In December 2011, the FASB issued ASU No. 2011-12, "&lt;i&gt;Comprehensive Income (Topic 220)&lt;/i&gt;: &lt;i&gt;Deferral of the Effective Date for Amendments to the Presentation of Reclassifications of Items Out of Accumulated Other Comprehensive Income in Accounting Standards Update No. 2011-05&lt;/i&gt;." The Update defers the specific requirement to present items that are reclassified from accumulated other comprehensive income to net income separately with their respective components of net income and other comprehensive income. The deferral comes after stakeholders raised concerns that the new presentation requirements about the reclassification of items out of accumulated other comprehensive income would be costly for preparers and add unnecessary complexity to financial statements. As a result of the concerns, the FASB decided to reconsider whether it is necessary to require companies to present reclassification adjustments, by component, in both the statement where net income is presented and the statement where other comprehensive income is presented for both interim and annual financial statements. The FASB did not defer the requirement to report comprehensive income either in a single continuous statement or in two separate, but consecutive, financial statements. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;In November 2008, the SEC released a proposed roadmap regarding the potential use by U.S. issuers of financial statements prepared in accordance with International Financial Reporting Standards ("IFRS"). IFRS is a comprehensive series of accounting standards published by the International Accounting Standards Board. Under the proposed roadmap, the Company may be required to prepare financial statements in accordance with IFRS as early as 2014. The Company is currently assessing the impact that this potential change would have on its consolidated financial statements, and it will continue to monitor the development of the potential implementation of IFRS. &lt;/p&gt;&lt;/div&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:AccountingChangesAndErrorCorrectionsTextBlock>
  <us-gaap:AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent contextRef="As_Of_12_31_2010" unitRef="Unit1" decimals="-3">8086000</us-gaap:AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent>
  <us-gaap:AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent contextRef="As_Of_12_31_2011" unitRef="Unit1" decimals="-3">9252000</us-gaap:AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent>
  <us-gaap:AccretionAmortizationOfDiscountsAndPremiumsInvestments contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="-3">-793000</us-gaap:AccretionAmortizationOfDiscountsAndPremiumsInvestments>
  <us-gaap:AccretionAmortizationOfDiscountsAndPremiumsInvestments contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">-2979000</us-gaap:AccretionAmortizationOfDiscountsAndPremiumsInvestments>
  <us-gaap:AccretionAmortizationOfDiscountsAndPremiumsInvestments contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">-4012000</us-gaap:AccretionAmortizationOfDiscountsAndPremiumsInvestments>
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax contextRef="As_Of_12_31_2010" unitRef="Unit1" decimals="-3">-7675000</us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax>
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax contextRef="As_Of_12_31_2011" unitRef="Unit1" decimals="-3">-5446000</us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax>
  <us-gaap:AdditionalPaidInCapital contextRef="As_Of_12_31_2010" unitRef="Unit1" decimals="-3">4941000</us-gaap:AdditionalPaidInCapital>
  <us-gaap:AdditionalPaidInCapital contextRef="As_Of_12_31_2011" unitRef="Unit1" decimals="-3">4715000</us-gaap:AdditionalPaidInCapital>
  <us-gaap:AdjustmentsToAdditionalPaidInCapitalStockIssuedIssuanceCosts contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="-3">-11000</us-gaap:AdjustmentsToAdditionalPaidInCapitalStockIssuedIssuanceCosts>
  <us-gaap:AdjustmentsToAdditionalPaidInCapitalStockIssuedIssuanceCosts contextRef="Duration_1_1_2009_To_12_31_2009_us-gaap_StatementEquityComponentsAxis_us-gaap_RetainedEarningsMember" unitRef="Unit1" decimals="-3">-11000</us-gaap:AdjustmentsToAdditionalPaidInCapitalStockIssuedIssuanceCosts>
  <us-gaap:AdjustmentsToAdditionalPaidInCapitalStockIssuedIssuanceCosts contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">-6000</us-gaap:AdjustmentsToAdditionalPaidInCapitalStockIssuedIssuanceCosts>
  <us-gaap:AdjustmentsToAdditionalPaidInCapitalStockIssuedIssuanceCosts contextRef="Duration_1_1_2010_To_12_31_2010_us-gaap_StatementEquityComponentsAxis_us-gaap_RetainedEarningsMember" unitRef="Unit1" decimals="-3">-6000</us-gaap:AdjustmentsToAdditionalPaidInCapitalStockIssuedIssuanceCosts>
  <us-gaap:AdjustmentsToAdditionalPaidInCapitalStockIssuedIssuanceCosts contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">-5000</us-gaap:AdjustmentsToAdditionalPaidInCapitalStockIssuedIssuanceCosts>
  <us-gaap:AdjustmentsToAdditionalPaidInCapitalStockIssuedIssuanceCosts contextRef="Duration_1_1_2011_To_12_31_2011_us-gaap_StatementEquityComponentsAxis_us-gaap_RetainedEarningsMember" unitRef="Unit1" decimals="-3">-5000</us-gaap:AdjustmentsToAdditionalPaidInCapitalStockIssuedIssuanceCosts>
  <us-gaap:AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">7000</us-gaap:AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation>
  <us-gaap:AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation contextRef="Duration_1_1_2010_To_12_31_2010_us-gaap_StatementEquityComponentsAxis_us-gaap_AdditionalPaidInCapitalMember" unitRef="Unit1" decimals="-3">7000</us-gaap:AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation>
  <us-gaap:Assets contextRef="As_Of_12_31_2010" unitRef="Unit1" decimals="-3">1207385000</us-gaap:Assets>
  <us-gaap:Assets contextRef="As_Of_12_31_2011" unitRef="Unit1" decimals="-3">1432738000</us-gaap:Assets>
  <us-gaap:AvailableForSaleSecurities contextRef="As_Of_12_31_2010" unitRef="Unit1" decimals="-3">378080000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:AvailableForSaleSecurities contextRef="As_Of_12_31_2011" unitRef="Unit1" decimals="-3">414507000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:BankOwnedLifeInsurance contextRef="As_Of_12_31_2010" unitRef="Unit1" decimals="-3">27905000</us-gaap:BankOwnedLifeInsurance>
  <us-gaap:BankOwnedLifeInsurance contextRef="As_Of_12_31_2011" unitRef="Unit1" decimals="-3">28943000</us-gaap:BankOwnedLifeInsurance>
  <us-gaap:BankOwnedLifeInsuranceIncome contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="-3">1156000</us-gaap:BankOwnedLifeInsuranceIncome>
  <us-gaap:BankOwnedLifeInsuranceIncome contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">1226000</us-gaap:BankOwnedLifeInsuranceIncome>
  <us-gaap:BankOwnedLifeInsuranceIncome contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">1038000</us-gaap:BankOwnedLifeInsuranceIncome>
  <us-gaap:BasisOfPresentationAndSignificantAccountingPoliciesTextBlock contextRef="Duration_1_1_2011_To_12_31_2011">&lt;div&gt; &lt;div style="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;" align="left"&gt;

&lt;div style="min-width: 708px; text-align: center;"&gt;

&lt;h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;"&gt;Note 1&amp;nbsp;&amp;#8212;&amp;nbsp;Summary of Significant Accounting Policies &lt;/h2&gt;

&lt;h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;"&gt;Principles of Consolidation &lt;/h3&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The consolidated financial statements of Center Bancorp, Inc. (the "Parent Corporation") are prepared on the accrual basis and include the accounts of the Parent Corporation and its wholly owned subsidiary, Union Center National Bank (the "Bank", and collectively with the Parent Corporation and the Parent Corporation's other direct and indirect subsidiaries, the "Corporation"). All significant inter-company accounts and transactions have been eliminated from the accompanying consolidated financial statements. &lt;/p&gt;

&lt;h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;"&gt;Business &lt;/h3&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The Parent Corporation is a bank holding company whose principal activity is the ownership and management of Union Center National Bank as mentioned above. The Bank provides a full range of banking services to individual and corporate customers through branch locations in Union and Morris counties, New Jersey. Additionally, the Bank originates residential mortgage loans and services such loans for others. The Bank is subject to competition from other financial institutions and the regulations of certain federal and state agencies and undergoes periodic examinations by those regulatory authorities. &lt;/p&gt;

&lt;h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;"&gt;Basis of Financial Statement Presentation &lt;/h3&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The consolidated financial statements have been prepared in conformity with U.S. generally accepted accounting principles. &lt;/p&gt;

&lt;h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;"&gt;Use of Estimates &lt;/h3&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the statement of condition and revenues and expenses for the reported periods. Actual results could differ significantly from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, other-than-temporary impairment evaluation of securities, the evaluation of the impairment of goodwill, the income tax provision and the valuation of deferred tax assets. &lt;/p&gt;

&lt;h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;"&gt;Cash and Due from Banks &lt;/h3&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Cash and due from banks includes cash on hand and balances due from correspondent banks including the Federal Reserve Bank. &lt;/p&gt;

&lt;h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;"&gt;Investment Securities &lt;/h3&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The Corporation accounts for its investment securities in accordance with Financial Accounting Standards Board ("FASB") Accounting Standards Codification ("ASC") 320-10-05. Investments are classified into the following categories: (1) held to maturity securities, for which the Corporation has both the positive intent and ability to hold until maturity, which are reported at amortized cost; (2) trading securities, which are purchased and held principally for the purpose of selling in the near term and are reported at fair value with unrealized gains and losses included in earnings; and (3) available-for-sale securities, which do not meet the criteria of the other two categories and which management believes may be sold prior to maturity due to changes in interest rates, prepayment, risk, liquidity or other factors, and are reported at fair value, with unrealized gains and losses, net of applicable income taxes, reported as a component of accumulated other comprehensive income, which is included in stockholders' equity and excluded from earnings. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Investment securities are adjusted for amortization of premiums and accretion of discounts, which are recognized on a level yield method, as adjustments to interest income. Investment securities gains or losses are determined using the specific identification method. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Securities are evaluated on at least a quarterly basis, and more frequently when market conditions warrant such an evaluation, to determine whether a decline in their value is other-than-temporary. In April 2009, the FASB issued FASB ASC 320-10-65, which was adopted as of June 30, 2009. The accounting standard clarifies the interaction of the factors that should be considered when determining whether a debt security is other&amp;#8211;than-temporarily impaired. For debt securities, management must assess whether (a) it has the intent to sell the security and (b) it is more likely than not that it will be required to sell the security prior to its anticipated recovery. These steps are done before assessing whether the entity will recover the cost basis of the investment. Prior to the June 30, 2009 adoption, this assessment required management to assert it has both the intent and the ability to hold a security for a period of time sufficient to allow for anticipated recovery in fair value to avoid recognizing an other-than-temporary impairment. This change does not affect the need to forecast recovery of the value of the security through either cash flows or market price. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;In instances when a determination is made that an other-than-temporary impairment exists but the investor does not intend to sell the debt security and it is not more likely than not that it will be required to sell the debt security prior to its anticipated recovery, FASB ASC 320-10-65 changes the presentation and amount of the other-than-temporary impairment recognized in the income statement. The other-than-temporary impairment is separated into (a) the amount of the total other-than-temporary impairment related to a decrease in cash flows expected to be collected from the debt security (the credit loss) and (b) the amount of the total other-than-temporary impairment related to all other factors. The amount of the total other-than-temporary impairment related to the credit loss is recognized through earnings. The amount of the total other-than-temporary impairment related to all other factors is recognized through other comprehensive income. Impairment charges on certain investment securities of approximately $0.3 million, $5.6 million and $4.2 million were recognized in earnings during the years ended December 31, 2011, 2010 and 2009, respectively. &lt;/p&gt;

&lt;h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;"&gt;Loans Held for Sale &lt;/h3&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Mortgage loans originated and intended for sale in the secondary market are carried at the lower of cost or estimated fair value or fair value under the fair value option accounting guidance for financial instruments. For loans carried at the lower of cost or estimated fair value, gains and losses on loan sales (sale proceeds minus carrying value) are recorded in other income and direct loan origination costs and fees are deferred at origination of the loan and are recognized in other income upon sale of the loan. The Corporation had $1,018,000 and $333,000 in loans held for sale at December 31, 2011 and 2010, respectively. &lt;/p&gt;

&lt;h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;"&gt;Loans &lt;/h3&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Loans are stated at their principal amounts inclusive of net deferred loan origination fees. Interest income is credited as earned except when a loan becomes past due 90 days or more and doubt exists as to the ultimate collection of interest or principal; in those cases the recognition of income is discontinued. Loans that are past due 90 days or more that are both well secured and in the process of collection will remain on an accruing basis. When a loan is placed on non-accrual status, interest accruals cease and uncollected accrued interest is reversed and charged against current income. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;In July 2010, the FASB issued Accounting Standards Update ("ASU") No. 2010-20 (FASB ASC 310), &lt;i&gt;"Disclosures about the Credit Quality of Financing Receivables and the Allowance for Credit Losses,"&lt;/i&gt; which requires that the Corporation provide a greater level of disaggregated information about the credit quality of the Corporation's loans and leases and the allowance for loan and lease losses (the "Allowance"). This ASU also requires the Corporation to disclose on a prospective basis, additional information related to credit quality indicators, non-accrual loans and leases, and past due information. The Corporation adopted the provisions of this ASU in preparing the Consolidated Financial Statements as of and for the year ended December 31, 2010. As this ASU amends only the disclosure requirements for loans and leases and the Allowance, the adoption had no impact on the Corporation's statements of income and condition. See Note 5 of the Notes to the Consolidated Financial Statements for the required disclosures. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Portfolio segments are defined as the level at which an entity develops and documents a systematic methodology to determine its Allowance. Management has determined that the Corporation has two portfolio segments of loans and leases (commercial and consumer) in determining the Allowance. Both quantitative and qualitative factors are used by management at the portfolio segment level in determining the adequacy of the Allowance for the Corporation. Classes of loans and leases are a disaggregation of a Corporation's portfolio segments. Classes are defined as a group of loans and leases which share similar initial measurement attributes, risk characteristics, and methods for monitoring and assessing credit risk. Management has determined that the Corporation has five classes of loans and leases (commercial and industrial (including lease financing), commercial &amp;#8212; real estate, construction, residential mortgage (including home equity) and installment). &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Generally, all classes of commercial and consumer loans and leases are placed on non-accrual status upon becoming contractually past due 90 days or more as to principal or interest (unless loans and leases are adequately secured by collateral, are in the process of collection, and are reasonably expected to result in repayment), when terms are renegotiated below market levels, or where substantial doubt about full repayment of principal or interest is evident. For certain installment loans, the entire outstanding balance on the loan is charged-off when the loan becomes 60 days past due. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Payments received on non-accrual loans are applied against principal. A loan may only be restored to an accruing basis when it again becomes well secured and in the process of collection or all past due amounts have been collected. Loan origination fees and certain direct loan origination costs are deferred and recognized over the life of the loan as an adjustment to the loan's yield using the level yield method. &lt;/p&gt;

&lt;h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 24px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;"&gt;Impaired Loans &lt;/h3&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The Corporation accounts for impaired loans in accordance with FASB ASC 310-10-35. The value of an impaired loan is based on the present value of expected future cash flows discounted at the loan's effective interest rate or, as a practical expedient, at the loan's observable market price or at the fair value of the collateral if the loan is collateral dependent. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The Corporation has defined its population of impaired loans to include all non-accrual and troubled debt restructuring loans. As part of the evaluation, the Corporation reviews all non-homogeneous loans for impairment internally classified as substandard or below, in each instance above an established dollar threshold of $200,000. Smaller impaired non-homogeneous loans and impaired homogeneous loans are not measured for specific reserves and are covered under the Corporation's general reserve. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;A loan is considered impaired when, based on current information and events, it is probable that the Corporation will not be able to collect all amounts due from the borrower in accordance with the contractual terms of the loan, including scheduled interest payments. Impaired loans include all classes of commercial and consumer non-accruing loans and all loans modified in a troubled debt restructuring ("TDR"). &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;When a loan has been identified as being impaired, the amount of impairment is measured based on the present value of expected future cash flows discounted at the loan's effective interest rate, the loan's observable market price, or the estimated fair value of the collateral, less any selling costs, if the loan is collateral-dependent. If the measurement of the impaired loan is less than the recorded investment in the loan (including accrued interest, net of deferred loan fees or costs and unamortized premiums or discounts), an impairment is recognized by creating or adjusting an existing allocation of the Allowance, or by recording a partial charge-off of the loan to its fair value. Interest payments made on impaired loans are typically applied to principal unless collectability of the principal amount is reasonably assured, in which case interest income may be accrued or recognized on a cash basis. &lt;/p&gt;

&lt;h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;"&gt;Loans Modified in a Troubled Debt Restructuring &lt;/h3&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Loans are considered to have been modified in a TDR when due to a borrower's financial difficulties, the Corporation makes certain concessions to the borrower that it would not otherwise consider. Modifications may include interest rate reductions, principal or interest forgiveness, forbearance, and other actions intended to minimize economic loss and to avoid foreclosure or repossession of collateral. Generally, a non-accrual loan that has been modified in a TDR remains on non-accrual status for a period of six months to demonstrate that the borrower is able to meet the terms of the modified loan. However, performance prior to the modification, or significant events that coincide with the modification, are included in assessing whether the borrower can meet the new terms and may result in the loan being returned to accrual status at the time of loan modification or after a shorter performance period. If the borrower's ability to meet the revised payment schedule is uncertain, the loan remains on non-accrual status. &lt;/p&gt;

&lt;h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;"&gt;Reserve for Credit Losses &lt;/h3&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;A consequence of lending activities is that the Corporation may incur losses. The amount of such losses will vary depending upon the risk characteristics of the loan and lease portfolio as affected by economic conditions such as rising interest rates and the financial performance of borrowers. The Corporation's reserve for credit losses is comprised of two components, the allowance for loan losses and the reserve for unfunded commitments (the "Unfunded Commitments"). The reserve for credit losses provides for credit losses inherent in lending or commitments to lend and is based on loss estimates derived from a comprehensive quarterly evaluation, reflecting analyses of individual borrowers and historical loss experience, supplemented as necessary by credit judgment to address observed changes in trends, conditions, and other relevant environmental and economic factors. &lt;/p&gt;

&lt;h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;"&gt;Allowance for Loan Losses &lt;/h3&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The allowance for loan losses ("allowance") is maintained at a level determined adequate to provide for probable loan losses. The allowance is increased by provisions charged to operations and reduced by loan charge-offs, net of recoveries. The allowance is based on management's evaluation of the loan portfolio considering economic conditions, the volume and nature of the loan portfolio, historical loan loss experience and individual credit situations. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Material estimates that are particularly susceptible to significant change in the near-term relate to the determination of the allowance for loan losses. In connection with the determination of the allowance for loan losses, management obtains independent appraisals for significant properties. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The ultimate collectability of a substantial portion of the Bank's loan portfolio is susceptible to changes in the real estate market and economic conditions in the State of New Jersey and the impact of such conditions on the creditworthiness of the borrowers. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Management believes that the allowance for loan losses is adequate. Management uses available information to recognize loan losses; however, future additions to the allowance may be necessary based on changes in economic conditions. In addition, various regulatory agencies, as an integral part of their examination process, periodically review the Bank's allowance for loan losses. Such agencies may require the Bank to recognize additions to the allowance based on their judgments about information available to them at the time of their examinations. &lt;/p&gt;

&lt;h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;"&gt;Reserve for Unfunded Commitments &lt;/h3&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The reserve for unfunded commitments is maintained at a level believed by management to be sufficient to absorb estimated probable losses related to unfunded credit facilities and is included in other liabilities in the consolidated statements of condition. The determination of the adequacy of the reserve is based upon an evaluation of the unfunded credit facilities, including an assessment of historical commitment utilization experience, and credit risk. Net adjustments to the reserve for unfunded commitments are included in other expense. &lt;/p&gt;

&lt;h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;"&gt;Premises and Equipment &lt;/h3&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Land is carried at cost and bank premises and equipment at cost less accumulated depreciation based on estimated useful lives of assets, computed principally on a straight-line basis. Expenditures for maintenance and repairs are charged to operations as incurred; major renewals and betterments are capitalized. Gains and losses on sales or other dispositions are recorded as a component of other income or other expenses. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;During the second quarter of 2010, the Corporation entered into a lease of its former operations facility under a direct financing lease. The lease has a 15 year term with no renewal options. According to the terms of the lease, the lessee has an obligation to purchase the property underlying the lease in either year seven (7), ten (10) or fifteen (15) at predetermined prices for those years as provided in the lease. The structure of the minimum lease payments and the purchase prices as provided in the lease provide an inducement to the lessee to purchase the property in year seven (7). &lt;/p&gt;

&lt;h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;"&gt;Other Real Estate Owned &lt;/h3&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Other real estate owned ("OREO"), representing property acquired through foreclosure and held for sale, are initially recorded at fair value less cost to sell at the date of foreclosure, establishing a new cost basis. Subsequently, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less cost to sell. Costs relating to holding the assets are charged to expenses. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;During the fourth quarter of 2011, the Corporation sold one commercial property and one residential property in Union County, New Jersey which were carried as OREO. During the fourth quarter of 2010, the Corporation sold one residential property in Morris County, New Jersey, and one residential property in Union County, New Jersey which were carried as OREO. At December 31, 2011 and 2010, the Corporation had $591,000 and $0, in OREO, respectively. &lt;/p&gt;

&lt;h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;"&gt;Mortgage Servicing &lt;/h3&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The Corporation performs various servicing functions on loans owned by others. A fee, usually based on a percentage of the outstanding principal balance of the loan, is received for those services. At December 31, 2011 and 2010, the Corporation was servicing approximately $8.9 million and $5.3 million, respectively, of loans for others. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The Corporation accounts for its servicing of financial assets in accordance with FASB ASC 860-50. The Corporation originates mortgages under plans to sell those loans and service the loans owned by the investor. The Corporation records mortgage servicing rights and the loans based on relative fair values at the date of sale. The balance of mortgage servicing rights at December 31, 2011 and 2010 are immaterial to the Corporation's consolidated financial statements. &lt;/p&gt;

&lt;h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;"&gt;Employee Benefit Plans &lt;/h3&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The Corporation has a non-contributory pension plan covering all eligible employees up until September 30, 2007, at which time the Corporation froze its defined benefit pension plan. As such, all future benefit accruals in this pension plan were discontinued and all retirement benefits that employees would have earned as of September 30, 2007 were preserved. The Corporation's policy is to fund at least the minimum contribution required by the Employee Retirement Income Security Act of 1974. The costs associated with the plan are accrued based on actuarial assumptions and included in other expense. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The Corporation accounts for its defined benefit pension plan in accordance with FASB ASC 715-30. FASB ASC 715-30 requires that the funded status of defined benefit postretirement plans be recognized on the Corporation's statement of condition and changes in the funded status be reflected in other comprehensive income. FASB ASC 715-30 also requires companies to measure the funded status of the plan as of the date of its fiscal year-end. &lt;/p&gt;

&lt;h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;"&gt;Stock-Based Compensation &lt;/h3&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Stock compensation accounting guidance (FASB ASC 718, "Compensation-Stock Compensation") requires that the compensation cost related to share-based payment transactions be recognized in financial statements. That cost will be measured based on the grant date fair value of the equity or liability instruments issued. The stock compensation accounting guidance covers a wide range of share-based compensation arrangements including stock options, restricted share plans, performance-based awards, share appreciation rights and employee share purchase plans. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Stock compensation accounting guidance requires that compensation cost for all stock awards be calculated and recognized over the employees' service period, generally defined as the vesting period. For awards with graded-vesting, compensation cost is recognized on a straight-line basis over the requisite service period for the entire award. A Black-Scholes model is used to estimate the fair value of stock options while the market price of the Corporation's common stock at the date of grant is used for restricted stock awards. See Note 16 of the Notes to Consolidated Financial Statements for a further discussion. &lt;/p&gt;

&lt;h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;"&gt;Earnings per Share &lt;/h3&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Basic Earnings per Share ("EPS") is computed by dividing income available to common shareholders by the weighted-average number of common shares outstanding. Diluted EPS includes any additional common shares as if all potentially dilutive common shares were issued (e.g. stock options). The Corporation's weighted average common shares outstanding for diluted EPS include the effect of stock options outstanding using the Treasury Stock Method, which are not included in the calculation of basic EPS. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Earnings per common share have been computed based on the following: &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11"&gt;Years Ended December 31,&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2011&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2010&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2009&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11"&gt;&lt;font style="font-weight: normal;" class="_mt"&gt;(In Thousands, Except per Share Amounts)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Net income&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;13,926&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;7,004&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;3,771&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Preferred stock dividends and accretion&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;820&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;581&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;567&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Net income available to common stockholders&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;13,106&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;6,423&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;3,204&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Average number of common shares outstanding&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;16,296&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;15,026&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;13,383&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 20pt; vertical-align: text-bottom;"&gt;Effect of dilutive options&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;19&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;1&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;2&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Average number of common shares outstanding used to calculate diluted earnings per common share&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;16,315&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;15,027&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;13,385&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Earnings per common share:&lt;br /&gt;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 20pt; vertical-align: text-bottom;"&gt;Basic&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;0.80&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;0.43&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;0.24&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 20pt; vertical-align: text-bottom;"&gt;Diluted&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;0.80&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;0.43&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;0.24&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;"&gt;Treasury Stock &lt;/h3&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The Parent Corporation, under a stock buyback program last amended on June 26, 2008, is authorized to buy back up to 2,039,731 shares of the Parent Corporation's common stock. Subject to limitations applicable to the Corporation, purchases may be made from time to time as, in the opinion of management, market conditions warrant, in the open market or in privately negotiated transactions. Shares repurchased will be added to the corporate treasury and will be used for future stock dividends and other issuances. As of December 31, 2011, Center Bancorp had 16.3 million shares of common stock outstanding. As of December 31, 2011, the Parent Corporation had purchased 1,386,863 common shares at an average cost per share of $11.44 under the stock buyback program as amended on October 1, 2007 and June 26, 2008. The repurchased shares were recorded as treasury stock, which resulted in a decrease in stockholders' equity. Treasury stock is recorded using the cost method and accordingly is presented as a reduction of stockholders' equity. During the years ended December 31, 2011, 2010 and 2009, the Parent Corporation did not purchase any of its shares. &lt;/p&gt;

&lt;h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;"&gt;Goodwill &lt;/h3&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The Corporation adopted the provisions of FASB ASC 350-10 (previously SFAS No. 142, "Goodwill and Other Intangible Assets"), which requires that goodwill be tested for impairment annually, or more frequently if impairment indicators arise for impairment. No impairment charge was deemed necessary for the years ended December 31, 2011, 2010 and 2009. &lt;/p&gt;

&lt;h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;"&gt;Comprehensive Income &lt;/h3&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Total comprehensive income includes all changes in equity during a period from transactions and other events and circumstances from non-owner sources. The Corporation's other comprehensive income is comprised of unrealized holding gains and losses on securities available-for-sale and unrecognized actuarial gains and losses of the Corporation's defined benefit pension plan, net of taxes. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Disclosure of comprehensive income for the years ended December 31, 2011, 2010 and 2009 is presented in the Consolidated Statements of Changes in Stockholders' Equity and presented in detail in Note 14 of the Notes to Consolidated Financial Statements. &lt;/p&gt;

&lt;h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;"&gt;Bank-Owned Life Insurance &lt;/h3&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The Corporation invests in Bank-Owned Life Insurance ("BOLI") to help offset the rising cost of employee benefits. During the 3rd quarter of 2010 the Corporation redeemed BOLI policies for proceeds of $5.6 million and purchased additional BOLI policies of $6.0 million. In conjunction with the redemption, the Corporation recorded a tax expense of $633,000. The change in the cash surrender value of the BOLI is recorded as a component of other income. &lt;/p&gt;

&lt;h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;"&gt;Income Taxes &lt;/h3&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The Corporation recognizes deferred tax assets and liabilities for the expected future tax consequences of events that have been included in the financial statements or tax returns. Under this method, deferred tax assets and liabilities are determined based on the difference between financial statement and tax bases of assets and liabilities, using enacted tax rates expected to be applied to taxable income in the years in which the differences are expected to be settled. Income tax-related interest and penalties are classified as a component of income tax expense. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;ASC Topic 740, &lt;i&gt;Taxes, &lt;/i&gt;provides clarification on accounting for uncertainty in income taxes recognized in an enterprise's financial statements and prescribes a recognition threshold and measurement attribute for the financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return. The Corporation has not identified any income tax uncertainties. &lt;/p&gt;

&lt;h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;"&gt;Advertising Costs &lt;/h3&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The Corporation recognizes its marketing and advertising cost as incurred. Advertising costs were $131,000, $268,000 and $366,000 for the years ended December 31, 2011, 2010 and 2009, respectively. &lt;/p&gt;

&lt;h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;"&gt;Reclassifications &lt;/h3&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Certain reclassifications have been made in the consolidated financial statements for 2010 and 2009 to conform to the classifications presented in 2011. &lt;/p&gt;&lt;/div&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:BasisOfPresentationAndSignificantAccountingPoliciesTextBlock>
  <us-gaap:CapitalLeasesNetInvestmentInDirectFinancingLeases contextRef="As_Of_12_31_2010" unitRef="Unit1" decimals="-3">3700000</us-gaap:CapitalLeasesNetInvestmentInDirectFinancingLeases>
  <us-gaap:CashAndCashEquivalentsDisclosureTextBlock contextRef="Duration_1_1_2011_To_12_31_2011">&lt;div&gt; &amp;nbsp;

&lt;div style="min-width: 708px; text-align: center;"&gt;

&lt;h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;"&gt;Note 3&amp;nbsp;&amp;#8212;&amp;nbsp;Cash and Due from Banks &lt;/h2&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The Bank maintained cash balances reserved to meet regulatory requirements of the Federal Reserve Board of approximately $1,155,000 and $4,248,000 at December 31, 2011 and 2010, respectively. &lt;/p&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:CashAndCashEquivalentsDisclosureTextBlock>
  <us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="-3">74137000</us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease>
  <us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">-51671000</us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease>
  <us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">73604000</us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease>
  <us-gaap:CashAndDueFromBanks contextRef="As_Of_12_31_2008" unitRef="Unit1" decimals="-3">15031000</us-gaap:CashAndDueFromBanks>
  <us-gaap:CashAndDueFromBanks contextRef="As_Of_12_31_2009" unitRef="Unit1" decimals="-3">89168000</us-gaap:CashAndDueFromBanks>
  <us-gaap:CashAndDueFromBanks contextRef="As_Of_12_31_2010" unitRef="Unit1" decimals="-3">37497000</us-gaap:CashAndDueFromBanks>
  <us-gaap:CashAndDueFromBanks contextRef="As_Of_12_31_2011" unitRef="Unit1" decimals="-3">111101000</us-gaap:CashAndDueFromBanks>
  <us-gaap:CommitmentsAndContingenciesDisclosureTextBlock contextRef="Duration_1_1_2011_To_12_31_2011">&lt;div&gt; &lt;div style="min-width: 708px; text-align: center;"&gt;

&lt;h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;"&gt;Note 12&amp;nbsp;&amp;#8212;&amp;nbsp;Commitments, Contingencies and Concentrations of Credit Risk &lt;/h2&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;In the normal course of business, the Corporation has outstanding commitments and contingent liabilities, such as standby and commercial letters of credit, unused portions of lines of credit and commitments to extend various types of credit. Commitments to extend credit and standby letters of credit generally do not exceed one year. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;These financial instruments involve, to varying degrees, elements of credit risk in excess of the amounts recognized in the consolidated financial statements. The commitment or contract amount of these financial instruments is an indicator of the Corporation's level of involvement in each type of instrument as well as the exposure to credit loss in the event of non-performance by the other party to the financial instrument. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The Corporation controls the credit risk of these financial instruments through credit approvals, limits and monitoring procedures. To minimize potential credit risk, the Corporation generally requires collateral and other credit-related terms and conditions from the customer. In the opinion of management, the financial condition of the Corporation will not be materially affected by the final outcome of these commitments and contingent liabilities. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;A substantial portion of the Bank's loans are secured by real estate located in New Jersey. Accordingly, the collectability of a substantial portion of the loan portfolio of the Bank is susceptible to changes in the real estate market. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The following table provides a summary of financial instruments with off-balance sheet risk at December 31, 2011 and 2010: &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2011&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2010&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7"&gt;&lt;font style="font-weight: normal;" class="_mt"&gt;(Dollars in Thousands)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Commitments under commercial loans and lines of credit&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;90,866&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;77,786&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Home equity and other revolving lines of credit&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;49,203&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;50,131&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Outstanding commercial mortgage loan commitments&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;32,938&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;32,554&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Standby letters of credit&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,800&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;2,225&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Performance letters of credit&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;20,482&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;12,019&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Outstanding residential mortgage loan commitments&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;250&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Overdraft protection lines&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;5,850&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;4,898&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Other consumer&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Total&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;201,139&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;179,863&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Other expenses include rentals for premises and equipment of $710,000 in 2011, $692,000 in 2010 and $704,000 in 2009. At December 31, 2011, the Corporation was obligated under a number of non-cancelable leases for premises and equipment, many of which provide for increased rentals based upon increases in real estate taxes and the cost of living index. These leases, most of which have renewal provisions, are principally operating leases. Minimum rentals under the terms of these leases for the years 2012 through 2016 are $625,000, $500,000, $533,000, $538,000 and $408,000, respectively. Minimum rentals due 2017 and after are $3,911,000. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The Corporation is subject to claims and lawsuits that arise in the ordinary course of business. Based upon the information currently available in connection with such claims, it is the opinion of management that the disposition or ultimate determination of such claims will not have a material adverse impact on the consolidated financial position, results of operations, or liquidity of the Corporation. &lt;/p&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:CommitmentsAndContingenciesDisclosureTextBlock>
  <us-gaap:CommonStockDividendsPerShareDeclared contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit13" decimals="INF">0.18</us-gaap:CommonStockDividendsPerShareDeclared>
  <us-gaap:CommonStockDividendsPerShareDeclared contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit13" decimals="INF">0.12</us-gaap:CommonStockDividendsPerShareDeclared>
  <us-gaap:CommonStockDividendsPerShareDeclared contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit13" decimals="INF">0.12</us-gaap:CommonStockDividendsPerShareDeclared>
  <us-gaap:CommonStockNoParValue contextRef="As_Of_12_31_2010" unitRef="Unit13" decimals="INF">0</us-gaap:CommonStockNoParValue>
  <us-gaap:CommonStockNoParValue contextRef="As_Of_12_31_2011" unitRef="Unit13" decimals="INF">0</us-gaap:CommonStockNoParValue>
  <us-gaap:CommonStockSharesAuthorized contextRef="As_Of_12_31_2010" unitRef="Unit12" decimals="INF">25000000</us-gaap:CommonStockSharesAuthorized>
  <us-gaap:CommonStockSharesAuthorized contextRef="As_Of_12_31_2011" unitRef="Unit12" decimals="INF">25000000</us-gaap:CommonStockSharesAuthorized>
  <us-gaap:CommonStockSharesIssued contextRef="As_Of_12_31_2010" unitRef="Unit12" decimals="INF">18477412</us-gaap:CommonStockSharesIssued>
  <us-gaap:CommonStockSharesIssued contextRef="As_Of_12_31_2011" unitRef="Unit12" decimals="INF">18477412</us-gaap:CommonStockSharesIssued>
  <us-gaap:CommonStockSharesOutstanding contextRef="As_Of_12_31_2010" unitRef="Unit12" decimals="INF">16289832</us-gaap:CommonStockSharesOutstanding>
  <us-gaap:CommonStockSharesOutstanding contextRef="As_Of_12_31_2011" unitRef="Unit12" decimals="INF">16332327</us-gaap:CommonStockSharesOutstanding>
  <us-gaap:CommonStockValue contextRef="As_Of_12_31_2010" unitRef="Unit1" decimals="-3">110056000</us-gaap:CommonStockValue>
  <us-gaap:CommonStockValue contextRef="As_Of_12_31_2011" unitRef="Unit1" decimals="-3">110056000</us-gaap:CommonStockValue>
  <us-gaap:ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="-3">1907000</us-gaap:ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest>
  <us-gaap:ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">10105000</us-gaap:ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest>
  <us-gaap:ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">16155000</us-gaap:ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest>
  <us-gaap:ComprehensiveIncomeNoteTextBlock contextRef="Duration_1_1_2011_To_12_31_2011">&lt;div&gt; &lt;div style="min-width: 708px; text-align: center;"&gt;

&lt;h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;"&gt;Note 14&amp;nbsp;&amp;#8212;&amp;nbsp;Comprehensive Income &lt;/h2&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Total comprehensive income includes all changes in equity during a period from transactions and other events and circumstances from non-owner sources. The Corporation's other comprehensive income (loss) is comprised of unrealized holding gains and losses on securities available-for-sale, obligations for defined benefit pension plan and an adjustment to reflect the curtailment of the Corporation's defined benefit pension plan, net of taxes. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Disclosure of comprehensive income for the years ended December 31, 2011, 2010 and 2009 is presented in the Consolidated Statements of Changes in Stockholders' Equity. The table below provides a reconciliation of the components of other comprehensive income to the disclosure provided in the statement of changes in stockholders' equity. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The components of other comprehensive income (loss), net of taxes, were as follows for the following fiscal years ended December 31: &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11"&gt;Years Ended December 31,&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2011&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2010&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2009&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11"&gt;&lt;font style="font-weight: normal;" class="_mt"&gt;(Dollars in Thousands)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Reclassification adjustments for OTTI losses included in income&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;342&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;5,576&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;4,238&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Unrealized gains (losses) on available for sale securities&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;8,990&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;3,822&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(2,827&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Reclassification adjustment for realized gains arising during this period&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;(3,976&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;(4,237&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;(4,729&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Net unrealized gains (losses) on available-for-sale securities&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;5,356&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;5,161&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(3,318&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Unrealized holding gains on securities transferred from available-for-sale to held-to-maturity securities&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;245&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Net unrealized gains (losses)&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;5,601&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;5,161&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(3,318&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Tax effect&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;(2,307&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;(2,060&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;1,354&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 20pt; vertical-align: text-bottom;"&gt;Net of tax amount&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;3,294&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;3,101&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;(1,964&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Actuarial (loss) gain&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(1,649&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;25&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Tax effect&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;584&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;(10&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 20pt; vertical-align: text-bottom;"&gt;Net of tax amount&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;(1,065&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;15&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Net actuarial gains&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;142&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Tax effect&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;(57&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 20pt; vertical-align: text-bottom;"&gt;Net of tax amount&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;85&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Other comprehensive income (loss), net of tax&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;2,229&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;3,101&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;(1,864&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Accumulated other comprehensive loss at December 31, 2011 and 2010 consisted of the following: &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="562"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2011&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2010&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11"&gt;&lt;font style="font-weight: normal;" class="_mt"&gt;(Dollars in Thousands)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 20pt; vertical-align: text-bottom;"&gt;Investment securities available for sale, net of tax&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(2,196&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(5,327&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 20pt; vertical-align: text-bottom;"&gt;Unamortized component of securities transferred from&lt;br /&gt;available-for-sale to held-to-maturity, net of tax&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;163&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 20pt; vertical-align: text-bottom;"&gt;Defined benefit pension and post-retirement plans, net of tax&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;(3,413&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;(2,348&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Total&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;(5,446&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;(7,675&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ComprehensiveIncomeNoteTextBlock>
  <us-gaap:CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock contextRef="Duration_1_1_2011_To_12_31_2011">&lt;div&gt; &lt;div style="min-width: 708px; text-align: center;"&gt;

&lt;h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;"&gt;Note 19&amp;nbsp;&amp;#8212;&amp;nbsp;Parent Corporation Only Financial Statements &lt;/h2&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The Parent Corporation operates its wholly-owned subsidiary, Union Center National Bank. The earnings of this subsidiary are recognized by the Corporation using the equity method of accounting. Accordingly, earnings are recorded as increases in the Corporation's investment in the subsidiaries and dividends paid reduce the investment in the subsidiaries. The ability of the Parent Corporation to pay dividends will largely depend upon the dividends paid to it by the Bank. Dividends payable by the Bank to the Corporation are restricted under supervisory regulations (see Note 17 of the Notes to Consolidated Financial Statements). &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Condensed financial statements of the Parent Corporation only are as follows: &lt;/p&gt;

&lt;h1 style="text-align: center; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 0pt; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 9pt;"&gt;Condensed Statements of Condition &lt;/h1&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7"&gt;At December 31,&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2011&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2010&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7"&gt;&lt;font style="font-weight: normal;" class="_mt"&gt;(Dollars in Thousands)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;"&gt;ASSETS&lt;br /&gt;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Cash and cash equivalents&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;2,042&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;4,299&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Investment in subsidiaries&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;139,107&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;122,129&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Securities available for sale&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;419&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;432&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Other assets&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;191&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;22&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Total assets&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;141,759&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;126,882&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;"&gt;LIABILITIES AND STOCKHOLDERS' EQUITY&lt;br /&gt;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Other liabilities&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;688&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;460&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Securities sold under repurchase agreement&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;310&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Subordinated debentures&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;5,155&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;5,155&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Stockholders' equity&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;135,916&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;120,957&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Total liabilities and stockholders' equity&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;141,759&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;126,882&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;h1 style="text-align: center; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 0pt; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 9pt;"&gt;Condensed Statements of Income &lt;/h1&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11"&gt;For Years Ended December 31,&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2011&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2010&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2009&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11"&gt;&lt;font style="font-weight: normal;" class="_mt"&gt;(Dollars in Thousands)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Income:&lt;br /&gt;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Dividend income from subsidiaries&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;785&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;500&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;2,474&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Other income&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;7&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;8&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;3&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Net losses on available for sale securities&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(97&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(325&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Management fees&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;294&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;290&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;298&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Total Income&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,086&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;701&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;2,450&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Expenses&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;(615&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;(635&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;(604&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Income before equity in undistributed earnings of subsidiaries&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;471&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;66&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,846&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Equity in undistributed earnings of subsidiaries&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;13,455&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;6,938&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;1,925&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Net Income&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;13,926&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;7,004&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;3,771&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;h1 style="text-align: center; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 0pt; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 9pt;"&gt;Condensed Statements of Cash Flows &lt;/h1&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11"&gt;For Years Ended December 31&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2011&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2010&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2009&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11"&gt;&lt;font style="font-weight: normal;" class="_mt"&gt;(Dollars in Thousands)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;"&gt;Cash flows from operating activities:&lt;br /&gt;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Net income&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;13,926&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;7,004&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;3,771&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Adjustments to reconcile net income to net cash provided by operating activities:&lt;br /&gt;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Net losses on available for sale securities&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;97&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;325&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Equity in undistributed earnings of subsidiary&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(13,455&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(6,938&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(1,925&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Change in deferred tax asset&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;3&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;224&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(111&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;(Increase) decrease in other assets&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(298&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(44&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,838&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Increase (decrease) in other liabilities&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;220&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;70&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(844&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Stock based compensation&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;35&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;51&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;77&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 20pt; vertical-align: text-bottom; font-weight: bold;"&gt;Net cash provided by operating activities&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;431&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;464&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;3,131&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;"&gt;Cash flows from investing activities:&lt;br /&gt;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Maturity of available-for-sale securities&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;130&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;659&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Investments in subsidiaries&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;(1,250&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;(8,000&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;(19,000&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 20pt; vertical-align: text-bottom; font-weight: bold;"&gt;Net cash used in investing activities&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;(1,250&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;(7,870&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;(18,341&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;"&gt;Cash flows from financing activities:&lt;br /&gt;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Net decrease in borrowings&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(310&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(82&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(411&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Cash dividends on common stock&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(1,955&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(1,800&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(3,166&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Cash dividends on preferred stock&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(417&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(500&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(425&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Proceeds from issuance of Series B preferred stock&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;11,250&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Redemption of Series A preferred stock&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(10,000&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Warrant repurchased&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(245&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Issuance cost of common stock&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(5&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(6&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(11&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Issuance cost of Series B preferred stock&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(84&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Proceeds from exercise of stock options&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;328&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;57&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Proceeds from restricted stock&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;25&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Proceeds from issuance of preferred stock and warrants&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;10,000&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Proceeds from issuance of shares from stock offerings&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;12,148&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;11,000&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Issuance cost of common stock from common stock offering&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(770&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Tax (expense) from stock based compensation&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;7&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;(73&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 20pt; vertical-align: text-bottom; font-weight: bold;"&gt;Net cash (used in) provided by financing activities&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;(1,438&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;9,022&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;16,971&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Increase (decrease) in cash and cash equivalents&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(2,257&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,616&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,761&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Cash and cash equivalents at beginning of year&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;4,299&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;2,683&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;922&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Cash and cash equivalents at the end of year&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;2,042&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;4,299&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;2,683&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock>
  <us-gaap:DeferredIncomeTaxExpenseBenefit contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="-3">819000</us-gaap:DeferredIncomeTaxExpenseBenefit>
  <us-gaap:DeferredIncomeTaxExpenseBenefit contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">51000</us-gaap:DeferredIncomeTaxExpenseBenefit>
  <us-gaap:DeferredIncomeTaxExpenseBenefit contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">3406000</us-gaap:DeferredIncomeTaxExpenseBenefit>
  <us-gaap:DepositLiabilitiesDisclosuresTextBlock contextRef="Duration_1_1_2011_To_12_31_2011">&lt;div&gt; &amp;nbsp;

&lt;div style="min-width: 708px; text-align: center;"&gt;

&lt;h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;"&gt;Note 8&amp;nbsp;&amp;#8212;&amp;nbsp;Deposits &lt;/h2&gt;

&lt;h4 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: italic 10pt/12pt serif; padding-top: 3pt;"&gt;Time Deposits&lt;/h4&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;As of December 31, 2011 and 2010, the Corporation's total time deposits were $194.6 million and $181.6 million, respectively. As of December 31, 2011, the contractual maturities of these time deposits were as follows: &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="border-bottom: black 1pt solid; text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;(dollars in thousands)&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Amount&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;2012&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;155,247&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;2013&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;21,989&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;2014&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;7,240&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;2015&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;2,099&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;2016&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;8,008&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Thereafter&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;"&gt;Total&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;194,583&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The amount of time deposits with balances of $100,000 or more was $137.9 million and $119.7 million as of December 31, 2011 and 2010, respectively. As of December 31, 2011, the contractual maturities of these time deposits were as follows: &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="border-bottom: black 1pt solid; text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;(dollars in thousands)&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Amount&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Three Months or Less&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;55,959&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Over Three Months through Six Months&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;36,460&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Over Six Months through Twelve Months&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;16,702&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Over Twelve Months&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;28,877&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;"&gt;Total&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;137,998&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:DepositLiabilitiesDisclosuresTextBlock>
  <us-gaap:Deposits contextRef="As_Of_12_31_2010" unitRef="Unit1" decimals="-3">860332000</us-gaap:Deposits>
  <us-gaap:Deposits contextRef="As_Of_12_31_2011" unitRef="Unit1" decimals="-3">1121415000</us-gaap:Deposits>
  <us-gaap:DepreciationDepletionAndAmortization contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="-3">1451000</us-gaap:DepreciationDepletionAndAmortization>
  <us-gaap:DepreciationDepletionAndAmortization contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">1165000</us-gaap:DepreciationDepletionAndAmortization>
  <us-gaap:DepreciationDepletionAndAmortization contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">983000</us-gaap:DepreciationDepletionAndAmortization>
  <us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock contextRef="Duration_1_1_2011_To_12_31_2011">&lt;div&gt; &lt;div style="min-width: 708px; text-align: center;"&gt;

&lt;h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;"&gt;Note 16&amp;nbsp;&amp;#8212;&amp;nbsp;Stock Based Compensation &lt;/h2&gt;

&lt;h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;"&gt;Stock Option Plans &lt;/h3&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;At December 31, 2011, the Corporation maintained two stock-based compensation plans from which new grants could be issued. The 2009 Equity Incentive Plan permits the grant of "incentive stock options" as defined under the Internal Revenue Code, non-qualified stock options, restricted stock awards and restricted stock unit awards to employees, including officers, and consultants of the Corporation and its subsidiaries. The 2003 Non-Employee Director Stock Option Plan permits the grant of non-qualified stock options to the Corporation's non-employee directors. An aggregate of 394,417 shares remain available for grant under the 2009 Equity Incentive Plan and an aggregate of 431,003 shares remain available for grant under the 2003 Non-Employee Director Stock Option Plan. Such shares may be treasury shares, newly issued shares or a combination thereof. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Options have been granted to purchase common stock principally at the fair market value of the stock at the date of grant. Options vest over a three year vesting period starting one year after the date of grant and generally expire ten years from the date of grant. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The total compensation expense related to these plans was $35,000, $51,000 and $77,000 for the years ended December 31, 2011, 2010 and 2009, respectively. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;As a result of the compensation expense related to stock options: (i) for the year ended December 31, 2011, the Corporation's income before income taxes and net income was reduced by $35,000 and $21,000, respectively; (ii) for the year ended December 31, 2010, the Corporation's income before income taxes and net income was reduced by $51,000 and $31,000, respectively; and (iii) for the year ended December 31, 2009, the Corporation's income before income taxes and net income was reduced by $77,000 and $51,000, respectively. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Under the principal option plans, the Corporation may grant restricted stock awards to certain employees. Restricted stock awards are non-vested stock awards. Restricted stock awards are independent of option grants and are generally subject to forfeiture if employment terminates prior to the release of the restrictions. Such awards generally vest during a period specified at the date of grant. During that period, ownership of the shares cannot be transferred. Restricted stock has the same cash dividend and voting rights as other common stock and is considered to be currently issued and outstanding. The Corporation expenses the cost of the restricted stock awards, which is determined to be the fair market value of the shares at the date of grant, ratably over the period during which the restrictions lapse. During 2011, 2,780 shares were awarded while in 2010, 2,803 shares were awarded. During 2009, no shares were awarded. All shares were issued from Treasury shares. The amount of compensation cost related to restricted stock awards included in salary expense was $25,000, $25,000 and zero in 2011, 2010 and 2009, respectively. As of December 31, 2011, all shares relating to restricted stock awards were vested. Thus, there were no restricted stock awards outstanding at December 31, 2011. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Options covering 27,784, 38,203 and 38,203 shares were granted on March 1, 2011, March 1, 2010 and March 1, 2009, respectively. The fair value of share-based payment awards was estimated using the Black-Scholes option pricing model with the following assumptions and weighted average fair values: &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2011&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2010&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2009&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Weighted average fair value of grants&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1.89&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;2.16&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1.48&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Risk-free interest rate&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;2.19&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;2.29&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1.90&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Dividend yield&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1.32&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1.41&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;4.69&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Expected volatility&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;22.25&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;28.60&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;33.00&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Expected life in months&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;65&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;62&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;69&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Option activity under the principal option plans as of December 31, 2011 and changes during the twelve months ended December 31, 2011 were as follows: &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Shares&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Weighted-&lt;br /&gt;Average&lt;br /&gt;Exercise Price&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Weighted-&lt;br /&gt;Average&lt;br /&gt;Remaining Contractual Term&lt;br /&gt;(In Years)&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Aggregate&lt;br /&gt;Intrinsic Value&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Outstanding at December 31, 2010&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;198,946&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;9.75&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Granted&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;27,784&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;9.11&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Exercised&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(42,495&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;7.23&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Forfeited/cancelled/expired&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;(12,857&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;11.75&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Outstanding at December 31, 2011&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;171,378&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;10.01&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;5.93&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;111,309&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Exercisable at December 31, 2011&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;105,388&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;10.75&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;4.48&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;41,611&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The aggregate intrinsic value of options above represents the total pre-tax intrinsic value (the difference between the Corporation's closing stock price on the last trading day of the twelve-months of fiscal 2011 and the exercise price, multiplied by the number of in-the-money options) that would have been received by the option holders had all option holders exercised their options on December 31, 2011. This amount changes based on the fair market value of the Parent Corporation's stock. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;As of December 31, 2011, $59,000 of total unrecognized compensation cost related to stock options is expected to be recognized over a weighted-average period of 1.39 years. Changes in options outstanding during the past three years were as follows: &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="border-bottom: black 1pt solid; text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;Stock Option Plan&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Shares&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Exercise Price&lt;br /&gt;Range per Share&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Outstanding, December 31, 2008 (125,468 shares exercisable)&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;185,164&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; vertical-align: text-bottom;"&gt;&amp;nbsp;$6.07 to $15.73&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Granted during 2009&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;38,203&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: center; vertical-align: text-bottom;"&gt;7.67&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Exercised during 2009&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(9,289&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: center; vertical-align: text-bottom;"&gt;6.07&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Expired or canceled during 2009&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;(22,076&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; vertical-align: text-bottom;"&gt;&amp;nbsp;$6.07 to $15.73&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Outstanding, December 31, 2009 (124,271 shares exercisable)&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;192,002&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; vertical-align: text-bottom;"&gt;&amp;nbsp;$7.67 to $15.73&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Granted during 2010&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;38,203&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: center; vertical-align: text-bottom;"&gt;8.53&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Exercised during 2010&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;0&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: center; vertical-align: text-bottom;"&gt;0.00&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Expired or canceled during 2010&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;(31,259&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; vertical-align: text-bottom;"&gt;&amp;nbsp;$7.67 to $15.73&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Outstanding, December 31, 2010 (138,898) shares exercisable)&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;198,946&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; vertical-align: text-bottom;"&gt;&amp;nbsp;$7.67 to $15.73&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Granted during 2011&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;27,784&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: center; vertical-align: text-bottom;"&gt;9.11&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Exercised during 2011&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(42,495&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: center; vertical-align: text-bottom;"&gt;7.71&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Expired or canceled during 2011&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;(12,857&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; vertical-align: text-bottom;"&gt;10.50 to $15.73&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Outstanding, December 31, 2011 (105,388) shares exercisable)&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;171,378&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: center; vertical-align: text-bottom;"&gt;&amp;nbsp;$7.67 to $15.73&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Under the Director Stock Option Plan, there were stock options granted with a weighted average fair value of 27,784 and $1.89, 38,203 and $2.16 and 38,203 and $1.48 during the years ended December 31, 2011, 2010 and 2009, respectively. There were 2,780, 2,803 and zero share stock options granted under the Employee Stock Incentive Plan during the years ended December 31, 2011, 2010 and 2009, respectively. &lt;/p&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock>
  <us-gaap:DividendIncomeOperating contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="-3">643000</us-gaap:DividendIncomeOperating>
  <us-gaap:DividendIncomeOperating contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">706000</us-gaap:DividendIncomeOperating>
  <us-gaap:DividendIncomeOperating contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">629000</us-gaap:DividendIncomeOperating>
  <us-gaap:DividendsCommonStockCash contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="-3">2434000</us-gaap:DividendsCommonStockCash>
  <us-gaap:DividendsCommonStockCash contextRef="Duration_1_1_2009_To_12_31_2009_us-gaap_StatementEquityComponentsAxis_us-gaap_RetainedEarningsMember" unitRef="Unit1" decimals="-3">2434000</us-gaap:DividendsCommonStockCash>
  <us-gaap:DividendsCommonStockCash contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">1852000</us-gaap:DividendsCommonStockCash>
  <us-gaap:DividendsCommonStockCash contextRef="Duration_1_1_2010_To_12_31_2010_us-gaap_StatementEquityComponentsAxis_us-gaap_RetainedEarningsMember" unitRef="Unit1" decimals="-3">1852000</us-gaap:DividendsCommonStockCash>
  <us-gaap:DividendsCommonStockCash contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">1955000</us-gaap:DividendsCommonStockCash>
  <us-gaap:DividendsCommonStockCash contextRef="Duration_1_1_2011_To_12_31_2011_us-gaap_StatementEquityComponentsAxis_us-gaap_RetainedEarningsMember" unitRef="Unit1" decimals="-3">1955000</us-gaap:DividendsCommonStockCash>
  <us-gaap:DividendsPreferredStockCash contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="-3">487000</us-gaap:DividendsPreferredStockCash>
  <us-gaap:DividendsPreferredStockCash contextRef="Duration_1_1_2009_To_12_31_2009_us-gaap_StatementEquityComponentsAxis_us-gaap_RetainedEarningsMember" unitRef="Unit1" decimals="-3">487000</us-gaap:DividendsPreferredStockCash>
  <us-gaap:DividendsPreferredStockCash contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">500000</us-gaap:DividendsPreferredStockCash>
  <us-gaap:DividendsPreferredStockCash contextRef="Duration_1_1_2010_To_12_31_2010_us-gaap_StatementEquityComponentsAxis_us-gaap_RetainedEarningsMember" unitRef="Unit1" decimals="-3">500000</us-gaap:DividendsPreferredStockCash>
  <us-gaap:DividendsPreferredStockCash contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">520000</us-gaap:DividendsPreferredStockCash>
  <us-gaap:DividendsPreferredStockCash contextRef="Duration_1_1_2011_To_12_31_2011_us-gaap_StatementEquityComponentsAxis_us-gaap_RetainedEarningsMember" unitRef="Unit1" decimals="-3">520000</us-gaap:DividendsPreferredStockCash>
  <us-gaap:EarningsPerShareBasic contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit13" decimals="2">0.24</us-gaap:EarningsPerShareBasic>
  <us-gaap:EarningsPerShareBasic contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit13" decimals="2">0.43</us-gaap:EarningsPerShareBasic>
  <us-gaap:EarningsPerShareBasic contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit13" decimals="2">0.80</us-gaap:EarningsPerShareBasic>
  <us-gaap:EarningsPerShareDiluted contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit13" decimals="2">0.24</us-gaap:EarningsPerShareDiluted>
  <us-gaap:EarningsPerShareDiluted contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit13" decimals="2">0.43</us-gaap:EarningsPerShareDiluted>
  <us-gaap:EarningsPerShareDiluted contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit13" decimals="2">0.80</us-gaap:EarningsPerShareDiluted>
  <us-gaap:EquipmentExpense contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="-3">1263000</us-gaap:EquipmentExpense>
  <us-gaap:EquipmentExpense contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">1093000</us-gaap:EquipmentExpense>
  <us-gaap:EquipmentExpense contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">926000</us-gaap:EquipmentExpense>
  <us-gaap:ExcessTaxBenefitFromShareBasedCompensationFinancingActivities contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="-3">-73000</us-gaap:ExcessTaxBenefitFromShareBasedCompensationFinancingActivities>
  <us-gaap:ExcessTaxBenefitFromShareBasedCompensationFinancingActivities contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">7000</us-gaap:ExcessTaxBenefitFromShareBasedCompensationFinancingActivities>
  <us-gaap:FairValueDisclosuresTextBlock contextRef="Duration_1_1_2011_To_12_31_2011">&lt;div&gt; &lt;div style="min-width: 708px; text-align: center;"&gt;

&lt;h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;"&gt;Note 18&amp;nbsp;&amp;#8212;&amp;nbsp;Fair Value Measurements and Fair Value of Financial Instruments &lt;/h2&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Management uses its best judgment in estimating the fair value of the Corporation's financial and non-financial instruments; however, there are inherent weaknesses in any estimation technique. Therefore, for substantially all financial and non-financial instruments, the fair value estimates herein are not necessarily indicative of the amounts the Corporation could have realized in a sale transaction on the dates indicated. The estimated fair value amounts have been measured as of their respective year-ends and have not been re-evaluated or updated for purposes of these financial statements subsequent to those respective dates. As such, the estimated fair values of these financial and non-financial instruments subsequent to the respective reporting dates may be different than the amounts reported at each year-end. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;FASB ASC 820-10-05 defines fair value, establishes a framework for measuring fair value, establishes a three-level valuation hierarchy for disclosure of fair value measurement and enhances disclosure requirements for fair value measurements. The valuation hierarchy is based upon the transparency of inputs to the valuation of an asset or liability as of the measurement date. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;FASB ASC 820-10-65 provides additional guidance for estimating fair value in accordance with FASB ASC 820-10-05 when the volume and level of activity for the asset or liability have significantly decreased. This ASC also includes guidance on identifying circumstances that indicate a transaction is not orderly. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;FASB ASC 820-10-05 establishes a fair value hierarchy that prioritizes the inputs to valuation methods used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (Level 1 measurements) and the lowest priority to unobservable inputs (Level 3 measurements). The three levels of the fair value hierarchy under FASB ASC 820-10-05 are as follows: &lt;/p&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0px; margin: 0pt; padding-left: 0pt; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="100%"&gt;
&lt;tr style="text-align: left; line-height: 12pt; font-style: normal; font-size: 10pt; vertical-align: top; font-weight: normal;"&gt;&lt;td style="width: 21px;"&gt; &lt;/td&gt;
&lt;td style="text-align: left; width: 24px;"&gt;&amp;#149;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&lt;i&gt;Level 1:&lt;/i&gt;&amp;nbsp;&amp;nbsp;Unadjusted quoted prices in active markets that are accessible at the measurement date for identical, unrestricted assets or liabilities. &lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0px; margin: 0pt; padding-left: 0pt; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="100%"&gt;
&lt;tr style="text-align: left; line-height: 12pt; font-style: normal; font-size: 10pt; vertical-align: top; font-weight: normal;"&gt;&lt;td style="width: 21px;"&gt; &lt;/td&gt;
&lt;td style="text-align: left; width: 24px;"&gt;&amp;#149;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&lt;i&gt;Level 2:&lt;/i&gt;&amp;nbsp;&amp;nbsp;Quoted prices for similar assets and liabilities in active markets, and inputs that are observable for the asset or liability, either directly or indirectly, for substantially the full term of the financial instrument. &lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0px; margin: 0pt; padding-left: 0pt; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="100%"&gt;
&lt;tr style="text-align: left; line-height: 12pt; font-style: normal; font-size: 10pt; vertical-align: top; font-weight: normal;"&gt;&lt;td style="width: 21px;"&gt; &lt;/td&gt;
&lt;td style="text-align: left; width: 24px;"&gt;&amp;#149;&lt;/td&gt;
&lt;td style="text-align: left;"&gt;&lt;i&gt;Level 3:&lt;/i&gt;&amp;nbsp;&amp;nbsp;Prices or valuation techniques that require inputs that are both significant to the fair value measurement and unobservable (for example, supported with little or no market activity). &lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;An asset's or liability's level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The following information should not be interpreted as an estimate of the fair value of the entire Corporation since a fair value calculation is only provided for a limited portion of the Corporation's assets and liabilities. Due to a wide range of valuation techniques and the degree of subjectivity used in making the estimates, comparisons between the Corporation's disclosures and those of other companies may not be meaningful. The following methods and assumptions were used to estimate the fair values of the Corporation's assets measured at fair value on a recurring basis at December 31, 2011 and December 31, 2010: &lt;/p&gt;

&lt;h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;"&gt;Cash and Cash Equivalents &lt;/h3&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The carrying amounts for cash and cash equivalents approximate those assets' fair value. &lt;/p&gt;

&lt;h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;"&gt;Securities Available-for-Sale &lt;/h3&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Where quoted prices are available in an active market, securities are classified with Level 1 of the valuation hierarchy. Level 1 inputs include securities that have quoted prices in active markets for identical assets. If quoted market prices are not available, then fair values are estimated by using pricing models, quoted prices of securities with similar characteristics, or discounted cash flows. Examples of instruments, which would generally be classified within Level 2 of the valuation hierarchy, include municipal bonds and certain agency collateralized mortgage obligations. In certain cases where there is limited activity in the market for a particular instrument, assumptions must be made to determine their fair value and are classified as Level 3. Due to the inactive condition of the markets amidst the financial crisis, the Corporation treated certain securities as Level 3 securities in order to provide more appropriate valuations. For assets in an inactive market, the infrequent trades that do occur are not a true indication of fair value. When measuring fair value, the valuation techniques available under the market approach, income approach and/or cost approach are used. The Corporation's evaluations are based on market data and the Corporation employs combinations of these approaches for its valuation methods depending on the asset class. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;At December 31, 2011, the Corporation's two pooled trust preferred securities, ALESCO 6 and ALESCO 7, and one private label collateralized mortgage obligation were classified as Level 3. Market pricing for the Level 3 securities varied widely from one pricing service to another based on the lack of trading. As such, these securities were considered to no longer have readily observable market data that was accurate to support a fair value as prescribed by FASB ASC 820-10-05. The fair value measurement objective remained the same in that the price received by the Corporation would result from an orderly transaction (an exit price notion) and that the observable transactions considered in fair value were not forced liquidations or distressed sales at the measurement date. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;In regards to the pooled trust preferred securities ("pooled TRUPS") and the private issue single name trust preferred security ("single name TRUP"), or collectively ("TRUPS"), the Corporation was able to determine fair value of the TRUPS using a market approach validation technique based on Level 2 inputs that did not require significant adjustments. The Level 2 inputs included: &lt;/p&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0px; margin: 0pt; padding-left: 0pt; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="100%"&gt;
&lt;tr style="text-align: left; line-height: 12pt; font-style: normal; font-size: 10pt; vertical-align: top; font-weight: normal;"&gt;&lt;td style="width: 21px;"&gt; &lt;/td&gt;
&lt;td style="text-align: left; width: 20px;"&gt;(a)&lt;/td&gt;
&lt;td style="text-align: left;"&gt;Quoted prices in active markets for similar TRUPS with insignificant adjustments for differences between the TRUPS that the Corporation holds and similar TRUPS. &lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0px; margin: 0pt; padding-left: 0pt; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="100%"&gt;
&lt;tr style="text-align: left; line-height: 12pt; font-style: normal; font-size: 10pt; vertical-align: top; font-weight: normal;"&gt;&lt;td style="width: 21px;"&gt; &lt;/td&gt;
&lt;td style="text-align: left; width: 20px;"&gt;(b)&lt;/td&gt;
&lt;td style="text-align: left;"&gt;Quoted prices in markets that are not active that represent current transactions for the same or similar TRUPS that do not require significant adjustment based on unobservable inputs. &lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Since June 30, 2008, the market for these TRUPS has become increasingly inactive. The inactivity was evidenced first by a significant widening of the bid-ask spread in the brokered markets in which these TRUPS trade and then by a significant decrease in the volume of trades relative to historical levels as well as other relevant factors. At December 31, 2011, the Corporation determined that the market for similar TRUPS had stabilized. That determination was made considering that there are more observable transactions for similar TRUPS, the prices for those transactions that have occurred are current and or represent fair value, and the observable prices for those transactions have stabilized over time, thus increasing the potential relevance of those observations. However, the Corporation's three TRUPS at December 31, 2011 have been classified within Level 3 because the Corporation determined that significant adjustments using unobservable inputs are required to determine a true fair value at the measurement date. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The Corporation owns three variable rate private label collateralized mortgage obligations (CMOs), which were also evaluated for impairment. The Variable Rate Collateralized Mortgage Obligations were originally issued in 2006 and are 30 year Adjustable Rate Mortgage loans secured by a first lien, fully amortizing one-to-four residential mortgage loans. The tranche purchased was a Super Senior with an original credit rating of AAA/AA. The top five states geographic concentration comprised in the deal were California 18.2 percent, Arizona 10.5 percent, Virginia 6.1 percent, Florida 6.5 percent and Nevada 6.3 percent. No one state exceeded a 25 percent concentration. These states have been heavily impacted by the financial crises and as such have sustained heavy delinquencies affecting the credit rating of the security. Management had applied aggressive default rates to identify if any credit impairment exists, as these bonds were downgraded to below investment grade. The Corporation recorded $324,000 in principal losses on these bonds in 2011, and expects additional losses in future periods. As such, management determined that an other-than-temporary impairment charge exists and recorded a $18,000 write down to the bonds, which represents 0.5 percent of the par amount of $3.8 million. The new cost basis for these securities has been written down to $3.2 million and the fair value is $1.9 million. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The Corporation determined that an income approach valuation technique (present value technique) that maximizes the use of relevant observable inputs and minimizes the use of unobservable inputs will be equally or more representative of fair value than the market approach valuation technique used at the prior measurement dates. As a result, the Corporation used the discount rate adjustment technique to determine fair value. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The fair value as of December 31, 2011 was determined by discounting the expected cash flows over the life of the security. The discount rate was determined by deriving a discount rate when the markets were considered more active for this type of security. To this estimated discount rate, additions were made for more liquid markets and increased credit risk as well as assessing the risks in the security, such as default risk and severity risk. The securities continue to make scheduled cash flows and no material cash flow payment defaults have occurred to date. &lt;/p&gt;

&lt;h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;"&gt;Securities Held-to-Maturity &lt;/h3&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The fair value of the Company's investment securities held-to-maturity was primarily measured using information from a third-party pricing service. &lt;/p&gt;

&lt;h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;"&gt;Loans Held for Sale &lt;/h3&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Loans held for sale are required to be measured at the lower of cost or fair value. Under FASB ASC 820-10-05, market value is to represent fair value. Management obtains quotes or bids on all or part of these loans directly from the purchasing financial institutions. &lt;/p&gt;

&lt;h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;"&gt;Loans Receivable &lt;/h3&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The fair value of performing loans, except residential mortgages, is calculated by discounting scheduled cash flows through the estimated maturity using estimated market discount rates that reflect the credit and interest rate risks inherent in the loan. The estimate of maturity is based on the historical experience of the Bank with prepayments for each loan classification, modified as required by an estimate of the effect of current economic and lending conditions. For performing residential mortgage loans, fair value is estimated by discounting contractual cash flows adjusted for prepayment estimates using discount rates based on secondary market sources adjusted to reflect differences in servicing and credit costs. &lt;/p&gt;

&lt;h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;"&gt;Restricted Stocks &lt;/h3&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The carrying amount of restricted investment in bank stocks, which includes stock of the Federal Home Loan Bank of New York, Federal Reserve Bank of New York and Atlantic Central Bankers Bank, approximates fair value, and considers the limited marketability of such securities. &lt;/p&gt;

&lt;h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;"&gt;Accrued Interest Receivable and Payable &lt;/h3&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The carrying value of accrued interest receivable and accrued interest payable approximates its fair value. &lt;/p&gt;

&lt;h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;"&gt;Deposits &lt;/h3&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The fair value of deposits with no stated maturity, such as non-interest-bearing demand deposits, savings and interest-bearing checking accounts, and money market and checking accounts, is equal to the amount payable on demand as of December 31, 2011 and 2010. The fair value of certificates of deposit is based on the discounted value of contractual cash flows. The discount rate is estimated using the rates currently offered for deposits of similar remaining maturities. &lt;/p&gt;

&lt;h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;"&gt;Short-Term Borrowings &lt;/h3&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Short-term borrowings that mature within six months and securities sold under agreements to repurchase have fair values which approximate carrying value. &lt;/p&gt;

&lt;h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;"&gt;Long-Term Borrowings &lt;/h3&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Fair values of FHLB advances are estimated using discounted cash flow analysis, based on quoted prices for new FHLB advances with similar credit risk characteristics, terms and remaining maturity. These prices obtained from this active market represent a market value that is deemed to represent the transfer price if the liability were assumed by a third party. &lt;/p&gt;

&lt;h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;"&gt;Subordinated Debt &lt;/h3&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The fair value of subordinated debentures is estimated by discounting the estimated future cash flows, using market discount rates of financial instruments with similar characteristics, terms and remaining maturity. &lt;/p&gt;

&lt;h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;"&gt;Off-Balance Sheet Financial Instruments &lt;/h3&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The fair value of commitments to extend credits is estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present creditworthiness of the counterparties. For fixed rate loan commitments, fair value also considers the difference between current levels of interest rate and the committed rates. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The fair value of financial standby letters of credit is based on fees currently charged for similar agreements or on the estimated cost to terminate them or otherwise settle the obligations with the counterparties. &lt;/p&gt;

&lt;h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;"&gt;Assets and Liabilities Measured at Fair Value on a Recurring Basis &lt;/h2&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;For financial assets and liabilities measured at fair value on a recurring basis, the fair value measurements by level within the fair value hierarchy used at December 31, 2011 and December 31, 2010 are as follows: &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;" rowspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" rowspan="2" colspan="3"&gt;December 31,&lt;br /&gt;2011&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11"&gt;Fair Value Measurements at Reporting Date Using&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Quoted Prices&lt;br /&gt;in Active&lt;br /&gt;Markets for&lt;br /&gt;Identical Assets&lt;br /&gt;(Level 1)&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Significant&lt;br /&gt;Other&lt;br /&gt;Observable&lt;br /&gt;Inputs&lt;br /&gt;(Level 2)&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Significant&lt;br /&gt;Unobservable&lt;br /&gt;Inputs&lt;br /&gt;(Level 3)&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="15"&gt;&lt;font style="font-weight: normal;" class="_mt"&gt;(Dollars in Thousands)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Financial Instruments Measured at Fair Value on a Recurring Basis:&lt;br /&gt;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 20pt; vertical-align: text-bottom;"&gt;Federal agency obligations&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;24,969&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;2,004&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;22,965&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 20pt; vertical-align: text-bottom;"&gt;Residential mortgage pass-through securities&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;115,364&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;115,364&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 20pt; vertical-align: text-bottom;"&gt;Obligations of U.S. states and political subdivision&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;69,173&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;397&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;68,776&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 20pt; vertical-align: text-bottom;"&gt;Trust preferred securities&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;16,187&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;15,971&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;216&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 20pt; vertical-align: text-bottom;"&gt;Corporate bonds and notes&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;173,117&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;2,000&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;171,117&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 20pt; vertical-align: text-bottom;"&gt;Collateralized mortgage obligations&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,899&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,899&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 20pt; vertical-align: text-bottom;"&gt;Asset-backed securities&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;7,653&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;7,653&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 20pt; vertical-align: text-bottom;"&gt;Equity securities&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;6,145&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;6,145&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 30pt; vertical-align: text-bottom;"&gt;Securities available-for-sale&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;414,507&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;10,546&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;401,846&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;2,115&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;" rowspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" rowspan="2" colspan="3"&gt;December 31,&lt;br /&gt;2010&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11"&gt;Fair Value Measurements at Reporting Date Using&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Quoted Prices&lt;br /&gt;in Active&lt;br /&gt;Markets for&lt;br /&gt;Identical Assets&lt;br /&gt;(Level 1)&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Significant&lt;br /&gt;Other&lt;br /&gt;Observable&lt;br /&gt;Inputs&lt;br /&gt;(Level 2)&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Significant&lt;br /&gt;Unobservable&lt;br /&gt;Inputs&lt;br /&gt;(Level 3)&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="15"&gt;&lt;font style="font-weight: normal;" class="_mt"&gt;(Dollars in Thousands)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Financial Instruments Measured at Fair Value on a Recurring Basis:&lt;br /&gt;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 20pt; vertical-align: text-bottom;"&gt;U.S. Treasury and agency securities&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;6,995&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;6,995&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 20pt; vertical-align: text-bottom;"&gt;Federal agency obligations&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;68,481&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;68,481&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 20pt; vertical-align: text-bottom;"&gt;Mortgage backed securities&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;177,733&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;177,733&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 20pt; vertical-align: text-bottom;"&gt;Obligations of U.S. states and political subdivision&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;37,225&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;16,936&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;20,289&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 20pt; vertical-align: text-bottom;"&gt;Trust preferred securities&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;18,731&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;18,589&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;142&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 20pt; vertical-align: text-bottom;"&gt;Corporate bonds and notes&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;61,434&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;61,434&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 20pt; vertical-align: text-bottom;"&gt;Collateralized mortgage obligations&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;2,728&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;2,728&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 20pt; vertical-align: text-bottom;"&gt;Equity securities&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;4,753&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;4,753&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 30pt; vertical-align: text-bottom;"&gt;Securities available-for-sale&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;378,080&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;28,684&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;346,526&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;2,870&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The fair values used by the Corporation are obtained from an independent pricing service and represent either quoted market prices for the identical securities (Level 1 inputs) or fair values determined by pricing models using a market approach that considers observable market data, such as interest rate volatilities, LIBOR yield curve, credit spreads and prices from market makers and live trading systems (Level 2). The fair values of the federal agency obligations, obligations of states and political subdivision and corporate bonds and notes measured at fair value using Level 1 inputs at December 31, 2011 and 2010 represented the purchase price of the securities since they were acquired near year-end 2011 and 2010. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The following table presents the changes in securities available-for-sale with significant unobservable inputs (Level 3) for the year ended December 31, 2011 and December 31, 2010: &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2011&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2010&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7"&gt;&lt;font style="font-weight: normal;" class="_mt"&gt;(Dollars in Thousands)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Beginning balance, January 1,&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;2,870&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;2,349&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Transfers into Level 3&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;8,197&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Transfers out of Level 3&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(5,174&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Principal interest deferrals&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;118&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;118&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Principal paydown&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(697&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(1,083&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Total net losses included in net income&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(3,000&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Total net unrealized (losses) gains&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;(176&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;1,463&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Ending balance, December 31,&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;2,115&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;2,870&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;"&gt;Assets Measured at Fair Value on a Non-Recurring Basis &lt;/h2&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;For assets measured at fair value on a non-recurring basis, the fair value measurements at December 31, 2011 are as follows: &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;" rowspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" rowspan="2" colspan="3"&gt;December 31,&lt;br /&gt;2011&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11"&gt;Fair Value Measurements at Reporting Date Using&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Quoted Prices&lt;br /&gt;in Active&lt;br /&gt;Markets for&lt;br /&gt;Identical Assets&lt;br /&gt;(Level 1)&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Significant&lt;br /&gt;Other&lt;br /&gt;Observable&lt;br /&gt;Inputs&lt;br /&gt;(Level 2)&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Significant&lt;br /&gt;Unobservable&lt;br /&gt;Inputs&lt;br /&gt;(Level 3)&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="15"&gt;&lt;font style="font-weight: normal;" class="_mt"&gt;(Dollars in Thousands)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Assets Measured at Fair Value on a Non-Recurring Basis:&lt;br /&gt;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 20pt; vertical-align: text-bottom;"&gt;Impaired loans&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;10,740&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;10,740&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="570"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;" rowspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" rowspan="2" colspan="3"&gt;December 31,&lt;br /&gt;2010&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11"&gt;Fair Value Measurements at Reporting Date Using&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Quoted Prices&lt;br /&gt;in Active&lt;br /&gt;Markets for&lt;br /&gt;Identical Assets&lt;br /&gt;(Level 1)&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Significant&lt;br /&gt;Other&lt;br /&gt;Observable&lt;br /&gt;Inputs&lt;br /&gt;(Level 2)&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Significant&lt;br /&gt;Unobservable&lt;br /&gt;Inputs&lt;br /&gt;(Level 3)&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="15"&gt;&lt;font style="font-weight: normal;" class="_mt"&gt;(Dollars in Thousands)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Assets Measured at Fair Value on a Non-Recurring Basis:&lt;br /&gt;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 20pt; vertical-align: text-bottom;"&gt;Impaired loans&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;4,895&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;4,895&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;At December 31, 2011 and 2010, impaired loans totaled $11,825,000 and $5,534,000, respectively. The amount of related valuation allowances was $1,085,000 at December 31, 2011 and $639,000 at December 31, 2010. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The following methods and assumptions were used to estimate the fair values of the Corporation's assets measured at fair value on a non-recurring basis at December 31, 2011 and 2010: &lt;/p&gt;

&lt;h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;"&gt;Impaired Loans &lt;/h3&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The value of an impaired loan is measured based upon the present value of expected future cash flows discounted at the loan's effective interest rate, or the fair value of the collateral if the loan is collateral dependent. Smaller balance homogeneous loans that are collectively evaluated for impairment, such as residential mortgage loans and installment loans, are specifically excluded from the impaired loan portfolio. The Corporation's impaired loans are primarily collateral dependent. Impaired loans are individually assessed to determine that each loan's carrying value is not in excess of the fair value of the related collateral or the present value of the expected future cash flows. &lt;/p&gt;

&lt;h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;"&gt;Other Real Estate Owned &lt;/h3&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Certain assets such as other real estate owned ("OREO") are measured at fair value less cost to sell. The Corporation believes that the fair value component in its valuation follows the provisions of FASB ASC 820-10-05. Fair value of OREO is determined by sales agreements or appraisals by qualified licensed appraisers approved and hired by the Corporation. Costs to sell associated with OREO is based on estimation per the terms and conditions of the sales agreements or appraisal. At December 31, 2011, the Corporation held approximately $591,000 fair value in OREO. &lt;/p&gt;

&lt;h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;"&gt;Fair Value of Financial Instruments &lt;/h3&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;FASB ASC 825-10 requires all entities to disclose the estimated fair value of their financial instrument assets and liabilities. For the Corporation, as for most financial institutions, the majority of its assets and liabilities are considered financial instruments as defined in FASB ASC 825-10. Many of the Corporation's financial instruments, however, lack an available trading market as characterized by a willing buyer and willing seller engaging in an exchange transaction. It is also the Corporation's general practice and intent to hold its financial instruments to maturity and to not engage in trading or sales activities except for loans held-for-sale and available-for-sale securities. Therefore, significant estimations and assumptions, as well as present value calculations, were used by the Corporation for the purposes of this disclosure. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Estimated fair values have been determined by the Corporation using the best available data and an estimation methodology suitable for each category of financial instruments. For those loans and deposits with floating interest rates, it is presumed that estimated fair values generally approximate the recorded book balances. The estimation methodologies used, the estimated fair values, and the recorded book balances at December 31, 2011 and 2010, were as follows: &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="15"&gt;December 31,&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7"&gt;2011&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7"&gt;2010&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Carrying Amount&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Fair Value&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Carrying Amount&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Fair Value&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="15"&gt;&lt;font style="font-weight: normal;" class="_mt"&gt;(Dollars in Thousands)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;FINANCIAL ASSETS:&lt;br /&gt;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Cash and cash equivalents&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;111,101&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;111,101&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;37,497&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;37,497&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Investment securities available-for-sale&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;414,507&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;414,507&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;378,080&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;378,080&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Investment securities held-to-maturity&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;72,233&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;74,922&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Net loans (including loans held for sale)&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;746,408&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;752,252&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;699,577&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;706,309&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Restricted investment in bank stocks&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;9,233&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;9,233&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;9,596&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;9,596&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Accrued interest receivable&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;6,219&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;6,219&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;4,134&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;4,134&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;FINANCIAL LIABILITIES:&lt;br /&gt;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Non-interest-bearing deposits&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;167,164&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;167,164&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;144,210&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;144,210&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Interest-bearing deposits&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;954,251&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;928,777&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;716,122&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;716,887&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Federal funds purchased, securities sold under agreement to repurchase and FHLB advances&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;161,000&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;175,933&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;212,855&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;221,425&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Subordinated debentures&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;5,155&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;5,159&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;5,155&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;5,157&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Accrued interest payable&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;992&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;992&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,041&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,041&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Financial instruments actively traded in a secondary market have been valued using quoted available market prices. Cash and due from banks, interest-bearing time deposits in other banks, federal funds sold, and interest receivable are valued at book value, which approximates fair value. Financial liability instruments with stated maturities have been valued using a present value discounted cash flow analysis with a discount rate approximating current market for similar liabilities. Interest payable is valued at book value, which approximates fair value. Financial liability instruments with no stated maturities have an estimated fair value equal to both the amount payable on demand and the recorded book balance. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The fair value of the Corporation's investment securities held-to-maturity was primarily measured using information from a third-party pricing service. Quoted prices in active markets were used whenever available. If quoted prices were not available, fair values were measured using pricing models or other valuation techniques such as the present value of future cash flows, adjusted for credit loss assumptions. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Loans held for sale are required to be measured at the lower of cost or fair value. Under FASB ASC 820-10-05, market value is to represent fair value. Management obtains quotes or bids on all or part of these loans directly from the purchasing financial institutions. There was $1,018,000 in loans held for sale at December 31, 2011 and $333,000 at December 31, 2010. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The net loan portfolio has been valued using a present value discounted cash flow. The discount rate used in these calculations is the current rate at which similar loans would be made to borrowers with similar credit ratings, same remaining maturities, and assumed prepayment risk. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The fair value of commitments to originate loans is estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present creditworthiness of the counterparties. For fixed-rate loan commitments, fair value also considers the difference between current levels of interest rates and the committed rates. The fair values of letters of credit and lines of credit are based on fees currently charged for similar agreements or on the estimated cost to terminate or otherwise settle the obligations with the counterparties at the reporting date. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Changes in assumptions or estimation methodologies may have a material effect on these estimated fair values. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The Corporation's remaining assets and liabilities, which are not considered financial instruments, have not been valued differently than has been customary with historical cost accounting. No disclosure of the relationship value of the Corporation's core deposit base is required by FASB ASC 825-10. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Fair value estimates are based on existing balance sheet financial instruments, without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. For example, there are certain significant assets and liabilities that are not considered financial assets or liabilities, such as the brokerage network, deferred taxes, premises and equipment, and goodwill. In addition, the tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in the estimates. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Management believes that reasonable comparability between financial institutions may not be likely, due to the wide range of permitted valuation techniques and numerous estimates which must be made, given the absence of active secondary markets for many of the financial instruments. This lack of uniform valuation methodologies also introduces a greater degree of subjectivity to these estimated fair values.&lt;/p&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:FairValueDisclosuresTextBlock>
  <us-gaap:FederalDepositInsuranceCorporationPremiumExpense contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="-3">2055000</us-gaap:FederalDepositInsuranceCorporationPremiumExpense>
  <us-gaap:FederalDepositInsuranceCorporationPremiumExpense contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">2126000</us-gaap:FederalDepositInsuranceCorporationPremiumExpense>
  <us-gaap:FederalDepositInsuranceCorporationPremiumExpense contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">1712000</us-gaap:FederalDepositInsuranceCorporationPremiumExpense>
  <us-gaap:FederalHomeLoanBankAdvancesDisclosureTextBlock contextRef="Duration_1_1_2011_To_12_31_2011">&lt;div&gt; &lt;div style="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;" align="left"&gt;

&lt;div style="min-width: 708px; text-align: center;"&gt;

&lt;h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;"&gt;Note 9&amp;nbsp;&amp;#8212;&amp;nbsp;Borrowed Funds: &lt;/h2&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Short-term borrowings at December 31, 2011 and 2010 consisted of the following: &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2011&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2010&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7"&gt;&lt;font style="font-weight: normal;" class="_mt"&gt;(Dollars in Thousands)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Securities sold under agreements to repurchase&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;28,855&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Federal funds purchased and FHLB short-term advances&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;13,000&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Total short-term borrowings&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;41,855&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The weighted average interest rates for short-term borrowings at December 31, 2011 and 2010 were zero percent and 0.27 percent, respectively. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Long-term borrowings at December 31, 2011 and 2010 consisted of the following: &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2011&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2010&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7"&gt;&lt;font style="font-weight: normal;" class="_mt"&gt;(Dollars in Thousands)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;FHLB long-term advances&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;120,000&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;130,000&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Securities sold under agreements to repurchase&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;41,000&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;41,000&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Total long-term borrowings&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;161,000&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;171,000&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Securities sold under agreements to repurchase had average balances of $67.4 million and $86.1 million for the years ended December 31, 2011 and 2010, respectively. The maximum amount outstanding at any month end during 2011 and 2010 was $84.8 million and $95.9 million, respectively. The average interest rate paid on securities sold under agreements to repurchase were 3.39 percent and 2.97 percent for the years ended December 31, 2011 and 2010, respectively. Overnight federal funds purchased averaged $2.9 million during 2011 as compared to $0.4 million during 2010. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The weighted average interest rates on long term borrowings at December 31, 2011 and 2010 were 3.93 percent and 4.02 percent, respectively. The maximum amount outstanding at any month-end during 2011 and 2010 was $161.0 million and $223.1 million, respectively. The average interest rates paid on Federal Home Loan Bank advances were 3.51 percent and 3.95 percent for the years ended December 31, 2011 and 2010, respectively. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;At December 31, 2011 and 2010, advances from the Federal Home Loan Bank of New York ("FHLB") amounted to $120.0 million and $130.0 million, respectively. The FHLB advances had a weighted average interest rate of 3.46 percent and 3.61 percent at December 31, 2011 and 2010, respectively. These advances are secured by pledges of FHLB stock, 1 &amp;#8211; 4 family residential mortgages, commercial real estate mortgages and U.S. Government and Federal Agency obligations. The advances are subject to quarterly call provisions at the discretion of the FHLB and at December 31, 2011 and 2010, are contractually scheduled for repayment as follows: &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2011&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2010&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7"&gt;&lt;font style="font-weight: normal;" class="_mt"&gt;(Dollars in Thousands)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;2011&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;10,000&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;2013&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;5,000&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;5,000&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;2016&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;20,000&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;20,000&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;2017&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;55,000&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;55,000&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;2018&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;40,000&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;40,000&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Total&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;120,000&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;130,000&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The securities sold under repurchase agreements to other counterparties included in long-term debt totaled $41.0 million at December 31, 2011 and 2010. The weighted average rates were 5.31 percent at December 31, 2011 and 2010. The schedule for contractual repayment is as follows: &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2011&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2010&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7"&gt;&lt;font style="font-weight: normal;" class="_mt"&gt;(Dollars in Thousands)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;2011&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;2015&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;10,000&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;10,000&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;2017&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;15,000&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;15,000&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;2018&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;16,000&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;16,000&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Total&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;41,000&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;41,000&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:FederalHomeLoanBankAdvancesDisclosureTextBlock>
  <us-gaap:FederalHomeLoanBankAdvancesLongTerm contextRef="As_Of_12_31_2010" unitRef="Unit1" decimals="-3">171000000</us-gaap:FederalHomeLoanBankAdvancesLongTerm>
  <us-gaap:FederalHomeLoanBankAdvancesLongTerm contextRef="As_Of_12_31_2011" unitRef="Unit1" decimals="-3">161000000</us-gaap:FederalHomeLoanBankAdvancesLongTerm>
  <us-gaap:FeesAndCommissions contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="-3">1835000</us-gaap:FeesAndCommissions>
  <us-gaap:FeesAndCommissions contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">1975000</us-gaap:FeesAndCommissions>
  <us-gaap:FeesAndCommissions contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">1896000</us-gaap:FeesAndCommissions>
  <us-gaap:ForeclosedRealEstateExpense contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="-3">1438000</us-gaap:ForeclosedRealEstateExpense>
  <us-gaap:ForeclosedRealEstateExpense contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">284000</us-gaap:ForeclosedRealEstateExpense>
  <us-gaap:ForeclosedRealEstateExpense contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">398000</us-gaap:ForeclosedRealEstateExpense>
  <us-gaap:GainLossOnDispositionOfProperty contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">-427000</us-gaap:GainLossOnDispositionOfProperty>
  <us-gaap:GainLossOnSaleOfPropertyPlantEquipment contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">-427000</us-gaap:GainLossOnSaleOfPropertyPlantEquipment>
  <us-gaap:GainLossOnSaleOfSecuritiesNet contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="-3">491000</us-gaap:GainLossOnSaleOfSecuritiesNet>
  <us-gaap:GainLossOnSaleOfSecuritiesNet contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">-1339000</us-gaap:GainLossOnSaleOfSecuritiesNet>
  <us-gaap:GainLossOnSaleOfSecuritiesNet contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">3634000</us-gaap:GainLossOnSaleOfSecuritiesNet>
  <us-gaap:GainsLossesOnSalesOfOtherRealEstate contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="-3">905000</us-gaap:GainsLossesOnSalesOfOtherRealEstate>
  <us-gaap:GainsLossesOnSalesOfOtherRealEstate contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">207000</us-gaap:GainsLossesOnSalesOfOtherRealEstate>
  <us-gaap:GainsLossesOnSalesOfOtherRealEstate contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">5000</us-gaap:GainsLossesOnSalesOfOtherRealEstate>
  <us-gaap:Goodwill contextRef="As_Of_12_31_2010" unitRef="Unit1" decimals="-3">16959000</us-gaap:Goodwill>
  <us-gaap:Goodwill contextRef="As_Of_12_31_2011" unitRef="Unit1" decimals="-3">16902000</us-gaap:Goodwill>
  <us-gaap:GoodwillAndIntangibleAssetsDisclosureTextBlock contextRef="Duration_1_1_2011_To_12_31_2011">&lt;div&gt; &lt;div style="min-width: 708px; text-align: center;"&gt;

&lt;h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;"&gt;Note 7&amp;nbsp;&amp;#8212;&amp;nbsp;Goodwill and Other Intangible Assets &lt;/h2&gt;

&lt;h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;"&gt;Goodwill &lt;/h3&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Goodwill allocated to the Corporation as of December 31, 2011 and 2010 was $16,804,000. There were no changes in the carrying amount of goodwill during the fiscal years ended December 31, 2011 and 2010. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The table below provides information regarding the carrying amounts and accumulated amortization of amortized intangible assets as of the dates set forth below. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="608"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Gross&lt;br /&gt;Carrying&lt;br /&gt;Amount&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Accumulated&lt;br /&gt;Amortization&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Net&lt;br /&gt;Carrying&lt;br /&gt;Amount&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11"&gt;&lt;font style="font-weight: normal;" class="_mt"&gt;(Dollars in Thousands)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;"&gt;As of December 31, 2011:&lt;br /&gt;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 20pt; vertical-align: text-bottom;"&gt;Core deposits&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;703&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;(605&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;98&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Total intangible assets&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;703&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;(605&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;98&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;"&gt;As of December 31, 2010:&lt;br /&gt;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 20pt; vertical-align: text-bottom;"&gt;Core deposits&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;703&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;(548&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;155&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Total intangible assets&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;703&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;(548&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;155&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The current year and estimated future amortization expense for amortized intangible assets was $57,000 for 2011 and $44,000, $31,000, $18,000, $5,000 and $0, respectively, for 2012, 2013, 2014, 2015 and 2016. &lt;/p&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:GoodwillAndIntangibleAssetsDisclosureTextBlock>
  <us-gaap:HeldToMaturitySecurities contextRef="As_Of_12_31_2011" unitRef="Unit1" decimals="-3">72233000</us-gaap:HeldToMaturitySecurities>
  <us-gaap:ImpairmentOfInvestments contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="-3">9066000</us-gaap:ImpairmentOfInvestments>
  <us-gaap:ImpairmentOfInvestments contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">8953000</us-gaap:ImpairmentOfInvestments>
  <us-gaap:ImpairmentOfInvestments contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">342000</us-gaap:ImpairmentOfInvestments>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="-3">4717000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">7226000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">21337000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments>
  <us-gaap:IncomeTaxDisclosureTextBlock contextRef="Duration_1_1_2011_To_12_31_2011">&lt;div&gt; &lt;div style="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;" align="justify"&gt;

&lt;div style="min-width: 708px; text-align: center;"&gt;

&lt;h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;"&gt;Note 11&amp;nbsp;&amp;#8212;&amp;nbsp;Income Taxes &lt;/h2&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The current and deferred amounts of income tax expense for the years ended December 31, 2011, 2010 and 2009, respectively, are as follows: &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2011&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2010&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2009&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11"&gt;&lt;font style="font-weight: normal;" class="_mt"&gt;(Dollars in Thousands)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;"&gt;Current:&lt;br /&gt;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Federal&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;3,818&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(27&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(19&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;State&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;187&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;198&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;146&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Subtotal&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;4,005&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;171&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;127&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;"&gt;Deferred:&lt;br /&gt;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Federal&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;2,157&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(191&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;824&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;State&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;1,249&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;242&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;(5&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Subtotal&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;3,406&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;51&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;819&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Income tax expense&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;7,411&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;222&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;946&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Reconciliation between the amount of reported income tax expense and the amount computed by applying the statutory Federal income tax rate is as follows: &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2011&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2010&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2009&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11"&gt;&lt;font style="font-weight: normal;" class="_mt"&gt;(Dollars in Thousands)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Income before income tax expense&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;21,337&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;7,226&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;4,717&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Federal statutory rate&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;35&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;34&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;34&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Computed "expected" Federal income tax expense&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;7,468&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;2,457&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,604&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;State tax, net of Federal tax benefit&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;933&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;291&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;93&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Bank owned life insurance&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(363&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(417&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(393&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Tax-exempt interest and dividends&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(595&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(75&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(334&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Tax on Bank Owned Life Insurance policy surrender gain&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;539&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Reversal of unrealized tax benefit &amp;amp; interest&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(2,551&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Other, net&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;(32&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;(22&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;(24&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Income tax&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;7,411&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;222&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;946&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The tax effects of temporary differences that give rise to significant portions of the deferred tax asset and deferred tax liability at December 31, 2011 and 2010 are presented in the following table: &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2011&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2010&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7"&gt;&lt;font style="font-weight: normal;" class="_mt"&gt;(Dollars in Thousands)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;"&gt;Deferred tax assets:&lt;br /&gt;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Impaired assets&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;2,820&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;2,621&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Allowance for loan losses&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;3,810&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;3,358&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Employee benefit plans&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;13&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;59&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Unrealized losses on securities available-for-sale&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,154&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;3,462&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Pension actuarial losses&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;2,150&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,566&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Other&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;512&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;656&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Federal AMT Credits&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;854&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;3,874&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;NJ NOL&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;373&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,258&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;NJ AMA credits&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;210&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;213&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Total deferred tax assets&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;11,896&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;17,067&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;"&gt;Deferred tax liabilities:&lt;br /&gt;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Depreciation&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;303&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;298&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Market discount accretion&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;43&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;29&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Deferred loan costs, net of fees&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;397&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;435&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Purchase accounting&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;40&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;62&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Total deferred tax liabilities&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;783&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;824&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Net deferred tax asset&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;11,113&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;16,243&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Based on the Corporation's historical and current taxable income and the projected future taxable income, management believes it is more likely than not that the Corporation will realize the benefit of the net deductible temporary differences existing at December 31, 2011 and 2010, respectively. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;At December 31, 2011, the Corporation has no federal income tax loss carry forwards, and has state income tax loss carry forwards of approximately $6.4 million, which have expirations beginning in the year 2014. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;In assessing the realization of deferred tax assets, management considers whether it is more likely than not that some portion or all of the deferred tax assets will not be realized. The ultimate realization of deferred tax assets is dependent upon the generation of future taxable income during periods in which those temporary differences become deductible. Management considers the scheduled reversal of deferred tax liabilities, the projected future taxable income, and tax planning strategies in making this assessment. During 2011 and 2010, based on the level of historical taxable income and projections for future taxable income over the periods in which the deferred tax assets are deductible, the Corporation believes the net deferred tax assets are more likely than not to be realized. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The Corporation's federal income tax returns are open and subject to examination from the 2008 tax return year and forward. The Corporation's state income tax returns are generally open from the 2007 and later tax return years based on individual state statute of limitations. &lt;/p&gt;&lt;/div&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:IncomeTaxDisclosureTextBlock>
  <us-gaap:IncomeTaxesPaid contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="-3">344000</us-gaap:IncomeTaxesPaid>
  <us-gaap:IncomeTaxesPaid contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">2479000</us-gaap:IncomeTaxesPaid>
  <us-gaap:IncomeTaxesPaid contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">4484000</us-gaap:IncomeTaxesPaid>
  <us-gaap:IncomeTaxExpenseBenefit contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="-3">946000</us-gaap:IncomeTaxExpenseBenefit>
  <us-gaap:IncomeTaxExpenseBenefit contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">222000</us-gaap:IncomeTaxExpenseBenefit>
  <us-gaap:IncomeTaxExpenseBenefit contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">7411000</us-gaap:IncomeTaxExpenseBenefit>
  <us-gaap:IncreaseDecreaseInAccruedInterestReceivableNet contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="-3">-121000</us-gaap:IncreaseDecreaseInAccruedInterestReceivableNet>
  <us-gaap:IncreaseDecreaseInAccruedInterestReceivableNet contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">101000</us-gaap:IncreaseDecreaseInAccruedInterestReceivableNet>
  <us-gaap:IncreaseDecreaseInAccruedInterestReceivableNet contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">2085000</us-gaap:IncreaseDecreaseInAccruedInterestReceivableNet>
  <us-gaap:IncreaseDecreaseInDeposits contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="-3">154168000</us-gaap:IncreaseDecreaseInDeposits>
  <us-gaap:IncreaseDecreaseInDeposits contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">46627000</us-gaap:IncreaseDecreaseInDeposits>
  <us-gaap:IncreaseDecreaseInDeposits contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">261083000</us-gaap:IncreaseDecreaseInDeposits>
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  <us-gaap:IncreaseDecreaseInLoansHeldForSale contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">-140000</us-gaap:IncreaseDecreaseInLoansHeldForSale>
  <us-gaap:IncreaseDecreaseInLoansHeldForSale contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">-251000</us-gaap:IncreaseDecreaseInLoansHeldForSale>
  <us-gaap:IncreaseDecreaseInOtherOperatingAssets contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="-3">1732000</us-gaap:IncreaseDecreaseInOtherOperatingAssets>
  <us-gaap:IncreaseDecreaseInOtherOperatingAssets contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">-1642000</us-gaap:IncreaseDecreaseInOtherOperatingAssets>
  <us-gaap:IncreaseDecreaseInOtherOperatingAssets contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">402000</us-gaap:IncreaseDecreaseInOtherOperatingAssets>
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  <us-gaap:IncreaseDecreaseInOtherOperatingLiabilities contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">-2426000</us-gaap:IncreaseDecreaseInOtherOperatingLiabilities>
  <us-gaap:IncreaseDecreaseInOtherOperatingLiabilities contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">-585000</us-gaap:IncreaseDecreaseInOtherOperatingLiabilities>
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  <us-gaap:IncreaseDecreaseInPrepaidExpense contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">-1698000</us-gaap:IncreaseDecreaseInPrepaidExpense>
  <us-gaap:IncreaseDecreaseOfRestrictedInvestments contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="-3">442000</us-gaap:IncreaseDecreaseOfRestrictedInvestments>
  <us-gaap:IncreaseDecreaseOfRestrictedInvestments contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">-1076000</us-gaap:IncreaseDecreaseOfRestrictedInvestments>
  <us-gaap:IncreaseDecreaseOfRestrictedInvestments contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">-363000</us-gaap:IncreaseDecreaseOfRestrictedInvestments>
  <us-gaap:IncreaseInCarryingAmountOfRedeemablePreferredStock contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="-3">0</us-gaap:IncreaseInCarryingAmountOfRedeemablePreferredStock>
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  <us-gaap:IncreaseInCarryingAmountOfRedeemablePreferredStock contextRef="Duration_1_1_2009_To_12_31_2009_us-gaap_StatementEquityComponentsAxis_us-gaap_RetainedEarningsMember" unitRef="Unit1" decimals="-3">-80000</us-gaap:IncreaseInCarryingAmountOfRedeemablePreferredStock>
  <us-gaap:IncreaseInCarryingAmountOfRedeemablePreferredStock contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">0</us-gaap:IncreaseInCarryingAmountOfRedeemablePreferredStock>
  <us-gaap:IncreaseInCarryingAmountOfRedeemablePreferredStock contextRef="Duration_1_1_2010_To_12_31_2010_us-gaap_StatementEquityComponentsAxis_us-gaap_PreferredStockMember" unitRef="Unit1" decimals="-3">81000</us-gaap:IncreaseInCarryingAmountOfRedeemablePreferredStock>
  <us-gaap:IncreaseInCarryingAmountOfRedeemablePreferredStock contextRef="Duration_1_1_2010_To_12_31_2010_us-gaap_StatementEquityComponentsAxis_us-gaap_RetainedEarningsMember" unitRef="Unit1" decimals="-3">-81000</us-gaap:IncreaseInCarryingAmountOfRedeemablePreferredStock>
  <us-gaap:IncreaseInCarryingAmountOfRedeemablePreferredStock contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">0</us-gaap:IncreaseInCarryingAmountOfRedeemablePreferredStock>
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  <us-gaap:IncreaseInCarryingAmountOfRedeemablePreferredStock contextRef="Duration_1_1_2011_To_12_31_2011_us-gaap_StatementEquityComponentsAxis_us-gaap_RetainedEarningsMember" unitRef="Unit1" decimals="-3">-300000</us-gaap:IncreaseInCarryingAmountOfRedeemablePreferredStock>
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  <us-gaap:InterestAndDividendIncomeOperating contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">48714000</us-gaap:InterestAndDividendIncomeOperating>
  <us-gaap:InterestAndDividendIncomeOperating contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">51927000</us-gaap:InterestAndDividendIncomeOperating>
  <us-gaap:InterestAndFeeIncomeLoansAndLeases contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="-3">36751000</us-gaap:InterestAndFeeIncomeLoansAndLeases>
  <us-gaap:InterestAndFeeIncomeLoansAndLeases contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">37200000</us-gaap:InterestAndFeeIncomeLoansAndLeases>
  <us-gaap:InterestAndFeeIncomeLoansAndLeases contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">36320000</us-gaap:InterestAndFeeIncomeLoansAndLeases>
  <us-gaap:InterestExpense contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="-3">22645000</us-gaap:InterestExpense>
  <us-gaap:InterestExpense contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">14785000</us-gaap:InterestExpense>
  <us-gaap:InterestExpense contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">12177000</us-gaap:InterestExpense>
  <us-gaap:InterestExpenseLongTermDebt contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="-3">9888000</us-gaap:InterestExpenseLongTermDebt>
  <us-gaap:InterestExpenseLongTermDebt contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">8568000</us-gaap:InterestExpenseLongTermDebt>
  <us-gaap:InterestExpenseLongTermDebt contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">6578000</us-gaap:InterestExpenseLongTermDebt>
  <us-gaap:InterestExpenseOtherDomesticDeposits contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="-3">8757000</us-gaap:InterestExpenseOtherDomesticDeposits>
  <us-gaap:InterestExpenseOtherDomesticDeposits contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">4705000</us-gaap:InterestExpenseOtherDomesticDeposits>
  <us-gaap:InterestExpenseOtherDomesticDeposits contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">4305000</us-gaap:InterestExpenseOtherDomesticDeposits>
  <us-gaap:InterestExpenseShortTermBorrowings contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="-3">449000</us-gaap:InterestExpenseShortTermBorrowings>
  <us-gaap:InterestExpenseShortTermBorrowings contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">211000</us-gaap:InterestExpenseShortTermBorrowings>
  <us-gaap:InterestExpenseShortTermBorrowings contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">79000</us-gaap:InterestExpenseShortTermBorrowings>
  <us-gaap:InterestExpenseTimeDeposits100000OrMore contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="-3">3551000</us-gaap:InterestExpenseTimeDeposits100000OrMore>
  <us-gaap:InterestExpenseTimeDeposits100000OrMore contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">1301000</us-gaap:InterestExpenseTimeDeposits100000OrMore>
  <us-gaap:InterestExpenseTimeDeposits100000OrMore contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">1215000</us-gaap:InterestExpenseTimeDeposits100000OrMore>
  <us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="-3">23868000</us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss>
  <us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">28853000</us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss>
  <us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">37302000</us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss>
  <us-gaap:InterestIncomeExpenseNet contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="-3">28465000</us-gaap:InterestIncomeExpenseNet>
  <us-gaap:InterestIncomeExpenseNet contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">33929000</us-gaap:InterestIncomeExpenseNet>
  <us-gaap:InterestIncomeExpenseNet contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">39750000</us-gaap:InterestIncomeExpenseNet>
  <us-gaap:InterestIncomeSecuritiesTaxable contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="-3">12727000</us-gaap:InterestIncomeSecuritiesTaxable>
  <us-gaap:InterestIncomeSecuritiesTaxable contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">10588000</us-gaap:InterestIncomeSecuritiesTaxable>
  <us-gaap:InterestIncomeSecuritiesTaxable contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">13278000</us-gaap:InterestIncomeSecuritiesTaxable>
  <us-gaap:InterestIncomeSecuritiesTaxExempt contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="-3">989000</us-gaap:InterestIncomeSecuritiesTaxExempt>
  <us-gaap:InterestIncomeSecuritiesTaxExempt contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">220000</us-gaap:InterestIncomeSecuritiesTaxExempt>
  <us-gaap:InterestIncomeSecuritiesTaxExempt contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">1700000</us-gaap:InterestIncomeSecuritiesTaxExempt>
  <us-gaap:InterestPaid contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="-3">23021000</us-gaap:InterestPaid>
  <us-gaap:InterestPaid contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">15569000</us-gaap:InterestPaid>
  <us-gaap:InterestPaid contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">12226000</us-gaap:InterestPaid>
  <us-gaap:InterestReceivable contextRef="As_Of_12_31_2010" unitRef="Unit1" decimals="-3">4134000</us-gaap:InterestReceivable>
  <us-gaap:InterestReceivable contextRef="As_Of_12_31_2011" unitRef="Unit1" decimals="-3">6219000</us-gaap:InterestReceivable>
  <us-gaap:InvestmentHoldingsTextBlock contextRef="Duration_1_1_2011_To_12_31_2011">&lt;div&gt; &lt;div style="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;" align="justify"&gt;

&lt;div&gt;

&lt;div style="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;" align="justify"&gt;

&lt;div style="min-width: 708px; text-align: center;"&gt;

&lt;h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;"&gt;Note 4&amp;nbsp;&amp;#8212;&amp;nbsp;Investment Securities &lt;/h2&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The following tables present information related to the Corporation's portfolio of securities available-for-sale and held-to-maturity at December 31, 2011 and available-for-sale at December 31, 2010. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="608"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Amortized&lt;br /&gt;Cost&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Gross&lt;br /&gt;Unrealized&lt;br /&gt;Gains&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Gross&lt;br /&gt;Unrealized&lt;br /&gt;Losses&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Fair&lt;br /&gt;Value&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="15"&gt;December 31, 2011&lt;br /&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="15"&gt;&lt;font style="font-weight: normal;" class="_mt"&gt;(Dollars in Thousands)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;"&gt;Investment Securities Available-for-Sale:&lt;br /&gt;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Federal agency obligations&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;24,781&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;188&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;24,969&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Residential mortgage pass-through securities&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;113,213&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;2,157&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(6&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;115,364&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Obligations of U.S. states and political subdivisions&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;66,309&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;2,900&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(36&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;69,173&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Trust preferred securities&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;20,567&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;14&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(4,394&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;16,187&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Corporate bonds and notes&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;175,812&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,382&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(4,077&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;173,117&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Collateralized mortgage obligations&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;3,226&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(1,327&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,899&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Asset-backed securities&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;7,614&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;52&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(13&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;7,653&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Equity securities&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;6,417&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;21&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;(293&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;6,145&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 20pt; vertical-align: text-bottom;"&gt;Total&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;417,939&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;6,714&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;(10,146&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;414,507&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;"&gt;Investment Securities Held-to-Maturity:&lt;br /&gt;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Federal agency obligations&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;28,262&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;177&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(34&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;28,405&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Commercial mortgage-backed securities&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;6,276&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(69&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;6,207&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Obligations of U.S. states and political subdivisions&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;37,695&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;2,615&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;40,310&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 20pt; vertical-align: text-bottom;"&gt;Total&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;72,233&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;2,792&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;(103&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;74,922&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Total investment securities&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;490,172&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;9,506&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;(10,249&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;489,429&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="608"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Amortized&lt;br /&gt;Cost&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Gross&lt;br /&gt;Unrealized&lt;br /&gt;Gains&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Gross&lt;br /&gt;Unrealized&lt;br /&gt;Losses&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Fair&lt;br /&gt;Value&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="15"&gt;December 31, 2010&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="15"&gt;&lt;font style="font-weight: normal;" class="_mt"&gt;(Dollars in Thousands)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;"&gt;Investment Securities Available-for-Sale:&lt;br /&gt;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;U.S. Treasury and agency securities&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;7,123&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(128&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;6,995&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Federal agency obligations&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;68,051&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,071&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(641&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;68,481&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Residential mortgage pass-through securities&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;180,037&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;115&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(2,419&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;177,733&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Obligations of U.S. states and political subdivisions&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;38,312&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(1,088&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;37,225&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Trust preferred securities&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;21,222&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;26&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(2,517&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;18,731&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Corporate bonds and notes&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;63,047&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(1,613&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;61,434&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Collateralized mortgage obligations&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;3,941&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(1,213&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;2,728&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Equity securities&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;5,135&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;(382&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;4,753&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Total investment securities&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;386,868&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;1,213&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;(10,001&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;378,080&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The Corporation's investment securities are classified as available-for-sale and held-to-maturity at December 31, 2011 and available-for-sale at December 31, 2010. The available-for-sale securities are reported at fair value with unrealized gains or losses included in equity, net of taxes. Accordingly, the carrying value of such securities reflects their fair value at the balance sheet date. Fair value is based upon either quoted market prices, or in certain cases where there is limited activity in the market for a particular instrument, assumptions are made to determine their fair value. See Note 18 of the Notes to Consolidated Financial Statements for a further discussion. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Transfers of debt securities from the available-for-sale category to the held-to-maturity category are made at fair value at the date of transfer. The unrealized holding gain or loss at the date of transfer remains in accumulated other comprehensive income and in the carrying value of the held-to-maturity investment security. Premiums or discounts on investment securities are amortized or accreted using the effective interest method over the life of the security as an adjustment of yield. Unrealized holding gains or losses that remain in accumulated other comprehensive income are amortized or accreted over the remaining life of the security as an adjustment of yield, offsetting the related amortization of the premium or accretion of the discount. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The following table presents information for investments in securities available-for-sale at December 31, 2011, based on scheduled maturities. Actual maturities can be expected to differ from scheduled maturities due to prepayment or early call options of the issuer. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="608"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7"&gt;December 31, 2011&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Amortized&lt;br /&gt;Cost&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Fair&lt;br /&gt;Value&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7"&gt;&lt;font style="font-weight: normal;" class="_mt"&gt;(Dollars in Thousands)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Investment Securities Available-for-Sale:&lt;br /&gt;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Due in one year or less&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;4,143&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;4,118&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Due after one year through five years&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;81,798&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;81,138&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Due after five years through ten years&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;108,395&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;107,155&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Due after ten years&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;103,973&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;100,587&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Residential mortgage pass-through securities&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;113,213&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;115,364&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Equity securities&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;6,417&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;6,145&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 20pt; vertical-align: text-bottom;"&gt;Total&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;417,939&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;414,507&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Investment Securities Held-to-Maturity:&lt;br /&gt;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Due after five years through ten years&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;4,459&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;4,506&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Due after ten years&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;67,774&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;70,416&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 20pt; vertical-align: text-bottom;"&gt;Total&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;72,233&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;74,922&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Total investment securities&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;490,172&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;489,429&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;During 2011, securities sold from the Corporation's available-for-sale portfolio generated proceeds of approximately $254.8 million. The gross realized gains on securities sold amounted to approximately $4,045,000, while the gross realized losses, which included impairment charges of $342,000, amounted to approximately $411,000 in 2011. During 2010, securities sold from the Corporation's available-for-sale portfolio generated proceeds of approximately $644.1 million. The gross realized gains on securities sold amounted to approximately $4,872,000, while the gross realized losses amounted to approximately $635,000 in 2010. During 2009, securities sold from the Corporation's available-for-sale portfolio generated proceeds of approximately $665.8 million. The gross realized gains on securities sold amounted to approximately $5,897,000, while the gross realized losses amounted to approximately $1,168,000 in 2009. &lt;/p&gt;

&lt;h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;"&gt;Other-than-Temporarily Impaired Investments &lt;/h3&gt;

&lt;h1 style="text-align: center; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 0pt; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 9pt;"&gt;Summary of Other-than-Temporary Impairment Charges &lt;/h1&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="608"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11"&gt;Years Ended December 31,&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2011&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2010&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2009&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11"&gt;&lt;font style="font-weight: normal;" class="_mt"&gt;(Dollars in Thousands)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;One variable rate private label CMO&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;18&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;360&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;188&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;One trust preferred security&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;3,000&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Two pooled trust preferred securities&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,818&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;3,433&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Principal losses on a variable rate CMO&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;324&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;398&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;One corporate bond&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;140&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;One equity security&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;113&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Reserve primary fund&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;364&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Total other-than-temporary impairment charges&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;342&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;5,576&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;4,238&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The Corporation performs regular analysis on the available-for-sale securities portfolio to determine whether a decline in fair value indicates that an investment is other-than-temporarily impaired in accordance with FASB ASC 320-10. FASB ASC 320-10 requires companies to record other-than-temporary impairment ("OTTI") charges, through earnings, if they have the intent to sell, or more likely than not be required to sell, an impaired debt security before recovery of its amortized cost basis. If the Corporation intends to sell or it is more likely than not it will be required to sell the security before recovery of its amortized cost basis, less any current period credit loss, the OTTI is recognized in earnings equal to the entire difference between the investment's amortized cost basis and its estimated fair value at the balance sheet date. If the Corporation does not intend to sell the security and it is more likely than not that the entity will be required to sell the security before recovery of its amortized cost basis less any current period loss, and as such, it determines that a decline in fair value is other than temporary, the OTTI is separated into the amount representing the credit loss and the amount related to all other factors. The amount of the OTTI related to the credit loss is determined based on the present value of cash flows expected to be collected and is recognized in earnings. The amount of the total OTTI related to other factors is recognized in other comprehensive income, net of applicable taxes. The previous amortized cost basis less the OTTI recognized in earnings becomes the new amortized cost basis of the investment. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The Corporation reviews all securities for potential recognition of other-than-temporary impairment. The Corporation maintains a watch list for the identification and monitoring of securities experiencing problems that require a heightened level of review. This could include credit rating downgrades. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The Corporation's assessment of whether an investment in the portfolio of assets is other than temporary includes factors such as whether the issuer has defaulted on scheduled payments, announced restructuring and/or filed for bankruptcy, has disclosed severe liquidity problems that cannot be resolved, disclosed deteriorating financial condition or sustained significant losses. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The following table presents detailed information for each trust preferred security held by the Corporation at December 31, 2011, of which all but one has at least one rating below investment grade. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="708"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="border-bottom: black 1pt solid; text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;Deal Name&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Single&lt;br /&gt;Issuer or&lt;br /&gt;Pooled&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Class/&lt;br /&gt;Tranche&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Amortized&lt;br /&gt;Cost&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Fair&lt;br /&gt;Value&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Gross&lt;br /&gt;Unrealized&lt;br /&gt;Gain (Loss)&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Lowest&lt;br /&gt;Credit&lt;br /&gt;Rating&lt;br /&gt;Assigned&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Number of&lt;br /&gt;Banks&lt;br /&gt;Currently&lt;br /&gt;Performing&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Deferrals&lt;br /&gt;and Defaults&lt;br /&gt;as % of&lt;br /&gt;Original&lt;br /&gt;Collateral&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Expected&lt;br /&gt;Deferral/Defaults&lt;br /&gt;as % of&lt;br /&gt;Remaining&lt;br /&gt;Performing&lt;br /&gt;Collateral&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="35"&gt;&lt;font style="font-weight: normal;" class="_mt"&gt;(Dollars in Thousands)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Countrywide Capital IV&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;Single&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,770&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,403&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(367&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;BB+&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;None&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;None&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Countrywide Capital V&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;Single&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;2,747&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;2,230&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(517&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;BB+&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;None&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;None&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Countrywide Capital V&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;Single&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;250&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;203&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(47&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;BB+&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;None&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;None&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;NPB Capital Trust II&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;Single&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;868&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;882&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;14&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;NR&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;None&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;None&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Citigroup Cap IX&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;Single&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;991&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;857&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(134&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;BB&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;None&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;None&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Citigroup Cap IX&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;Single&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,903&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,652&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(251&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;BB&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;None&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;None&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Citigroup Cap XI&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;Single&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;246&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;214&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(32&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;BB&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;None&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;None&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;BAC Capital Trust X&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;Single&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;2,500&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,862&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(638&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;BB+&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;None&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;None&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Nationsbank Cap Trust III&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;Single&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,571&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,094&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(477&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;BB+&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;None&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;None&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Morgan Stanley Cap&lt;br /&gt;Trust IV&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;Single&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;2,500&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;2,074&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(426&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;BB+&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;None&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;None&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Morgan Stanley Cap&lt;br /&gt;Trust IV&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;Single&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,741&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,451&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(290&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;BB+&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;None&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;None&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Saturns&amp;nbsp;&amp;#8212;&amp;nbsp;GS 2004-06&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;Single&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;242&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;214&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(28&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;BB+&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;None&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;None&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Saturns&amp;nbsp;&amp;#8212;&amp;nbsp;GS 2004-06&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;Single&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;312&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;275&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(37&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;BB+&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;None&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;None&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Saturns&amp;nbsp;&amp;#8212;&amp;nbsp;GS 2004-04&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;Single&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;780&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;686&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(94&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;BB+&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;None&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;None&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Saturns&amp;nbsp;&amp;#8212;&amp;nbsp;GS 2004-04&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;Single&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;22&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;19&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(3&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;BB+&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;None&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;None&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Goldman Sachs&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;Single&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,000&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;855&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(145&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;BB+&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;None&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;None&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;ALESCO Preferred&lt;br /&gt;Funding VI&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;Pooled&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;C2&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;290&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;143&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(147&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;Ca&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; vertical-align: text-bottom;"&gt;37 of 56&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;32.9&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;40.9&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;ALESCO Preferred&lt;br /&gt;Funding VII&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;Pooled&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;C1&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;834&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;73&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;(761&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;Ca&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; vertical-align: text-bottom;"&gt;49 of 62&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;34.3&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;40.4&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 20pt; vertical-align: text-bottom;"&gt;Total&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: right; vertical-align: text-bottom;"&gt; &lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: right; vertical-align: text-bottom;"&gt; &lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;20,567&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;16,187&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;(4,380&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: right; vertical-align: text-bottom;"&gt; &lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: right; vertical-align: text-bottom;"&gt; &lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: right; vertical-align: text-bottom;"&gt; &lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: right; vertical-align: text-bottom;"&gt; &lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The Corporation owns two pooled trust preferred securities ("Pooled TRUPS"), which consist of securities issued by financial institutions and insurances companies and the Corporation holds the mezzanine tranche of such securities. Senior tranches generally are protected from defaults by over-collateralization and cash flow default protection provided by subordinated tranches, with senior tranches having the greatest protection and mezzanine tranches subordinated to the senior tranches. Our analysis of these Pooled TRUPS falls within the scope of EITF 99-20, ASC 320-40 and uses a discounted cash flow model to determine the total OTTI loss. The model considers the structure and term and the financial condition of the underlying issuers. Specifically, the model details interest rates, principal balances of note classes and underlying issuers and the allocation of the payments to the note classes according to a priority of payments specified in the offering circular and indenture. The current estimate of expected cash flows is based on the most recent trustee reports and other relevant market information including announcements of interest payment deferrals or defaults of underlying trust preferred securities. Assumptions used in the model include default rates, default rate timing profile and recovery rates. We assume no prepayments as these Pooled TRUPS were issued at comparatively tight spreads and as such, there is little incentive, if any, to prepay. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;One of the Pooled TRUPS, ALESCO VI, has incurred its eleventh interruption of cash flow payments to date. Management reviewed the expected cash flow analysis and credit support to determine if it was probable that all principal and interest would be repaid, and no other-than-temporary impairment charge was recorded for the twelve months ended December 31, 2011. The other Pooled TRUP, ALESCO VII, incurred its ninth interruption of cash flow payments to date. Management determined that no other-than-temporary impairment charge existed on this security for the twelve months ended December 31, 2011. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;At December 31, 2011, excess subordination as a percentage of remaining performing collateral for the ALESCO Preferred Funding VI and VII investments were -40.4 percent and -45.0 percent, respectively. Excess subordination is the amount of performing collateral above the amount of outstanding collateral underlying each class of the security. The excess subordination as a percent of remaining performing collateral reflects the difference between the performing collateral and the collateral underlying each security divided by the performing collateral. A negative number results when the paying collateral is less than the collateral underlying each class of the security. A low or negative number decreases the likelihood of full repayment of principal and interest according to original contractual terms. &lt;/p&gt;

&lt;h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 24px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;"&gt;Credit Loss Portion of OTTI Recognized in Earning on Debt Securities &lt;/h3&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="608"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11"&gt;Years Ended December 31,&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2011&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2010&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2009&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11"&gt;&lt;font style="font-weight: normal;" class="_mt"&gt;(Dollars in Thousands)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Balance of credit-related OTTI at January 1,&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;6,197&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;3,621&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Addition:&lt;br /&gt;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 20pt; vertical-align: text-bottom;"&gt;Credit losses for which other-than-temporary impairment was not previously recognized&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;342&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;5,576&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;3,761&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Reduction:&lt;br /&gt;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 20pt; vertical-align: text-bottom;"&gt;Credit losses for securities sold during the period&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;(3,000&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;(140&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Balance of credit-related OTTI at December 31,&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;6,539&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;6,197&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;3,621&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The Corporation owns three variable rate private label collateralized mortgage obligations (CMOs), which were also evaluated for impairment. The Variable Rate Collateralized Mortgage Obligations were originally issued in 2006 and are 30 year Adjustable Rate Mortgage loans secured by a first lien, fully amortizing one-to-four residential mortgage loans. The tranche purchased was a Super Senior with an original credit rating of AAA/AAA. The top five states geographic concentration comprised in the deal were California 18.2 percent, Arizona 10.5 percent, Virginia 6.1 percent, Florida 6.5 percent and Nevada 6.3 percent. No one state exceeded a 25 percent concentration. These states have been heavily impacted by the financial crises and as such have sustained heavy delinquencies affecting the credit rating of the security. Management had applied aggressive default rates to identify if any credit impairment exists, as these bonds were downgraded to below investment grade. The Corporation recorded $324,000 in principal losses on these bonds in 2011, and expects additional losses in future periods. As such, management determined that an other-than-temporary impairment charge exists and recorded a $18,000 write down to the bonds, which represents 0.5 percent of the par amount of $3.8 million. The new cost basis for these securities has been written down to $3.2 million. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The Corporation's investment portfolio also consists of overnight investments that were made into the Reserve Primary Fund (the "Fund"), a money market fund registered with the Securities and Exchange Commission as an investment company under the Investment Company Act of 1940. On September 22, 2008, the Fund announced that redemptions of shares of the Fund were suspended pursuant to an SEC order so that an orderly liquidation could be effected for the protection of the Fund's investors. Through December 31, 2009, the Corporation has received five distributions from the Fund, totaling approximately 92 percent of its outstanding balance, leaving a remaining outstanding balance in the Fund of $2.943 million. On January 29, 2010, as part of the court order liquidation of the Fund, the Corporation received a sixth distribution or $2.446 million, bringing total distributions to date to approximately 99 percent. During the fourth quarter of 2009, the Corporation recorded a $364,000, or approximately 1 percent, other-than-temporary impairment charge to earnings relating to this court order liquidation of the Fund. The Corporation's outstanding carrying balance in the Fund as of January 31, 2010 totaled $133,000. In 2010, the Corporation recorded approximately $30,000 to earnings as partial recovery of the OTTI charge. The Corporation's outstanding carrying balance in the Fund as of December 31, 2011 was zero. Future liquidation distributions received by the Corporation, if any, will be recorded to earnings. &lt;/p&gt;

&lt;h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;"&gt;Temporarily Impaired Investments &lt;/h3&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;For all other securities, the Corporation does not believe that the unrealized losses, which were comprised of 78 investment securities as of December 31, 2011, represent an other-than-temporary impairment. The gross unrealized losses associated with mortgage-backed securities, corporate bonds, asset-backed securities and tax-exempt securities are not considered to be other than temporary because their unrealized losses are related to changes in interest rates and do not affect the expected cash flows of the underlying collateral or issuer. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Factors affecting the market price include credit risk, market risk, interest rates, economic cycles, and liquidity risk. The magnitude of any unrealized loss may be affected by the relative concentration of the Corporation's investment in any one issuer or industry. The Corporation has established policies to reduce exposure through diversification of concentration of the investment portfolio including limits on concentrations to any one issuer. The Corporation believes the investment portfolio is prudently diversified. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The decline in value is related to a change in interest rates and subsequent change in credit spreads required for these issues affecting market price. All issues are performing and are expected to continue to perform in accordance with their respective contractual terms and conditions. Short to intermediate average durations and in certain cases monthly principal payments should reduce further market value exposure to increases in rates. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The Corporation evaluates all securities with unrealized losses quarterly to determine whether the loss is other than temporary. Unrealized losses in the mortgage-backed securities category consist primarily of U.S. agency and private issue collateralized mortgage obligations. Unrealized losses in the corporate debt securities category consist of single name corporate trust preferred securities, pooled trust preferred securities and corporate debt securities issued by large financial institutions. The decline in fair value is due in large part to the lack of an active trading market for these securities, changes in market credit spreads and rating agency downgrades. For collateralized mortgage obligations, management reviewed expected cash flows and credit support to determine if it was probable that all principal and interest would be repaid. None of the corporate issuers have defaulted on interest payments. Management concluded that these securities were not other-than-temporarily impaired at December 31, 2011. Future deterioration in the cash flow on collateralized mortgage obligations or the credit quality of these large financial institution issuers of corporate debt securities could result in impairment charges in the future. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;In determining that the securities giving rise to the previously mentioned unrealized losses were not other than temporary, the Corporation evaluated the factors cited above, which the Corporation considers when assessing whether a security is other-than-temporarily impaired. In making these evaluations the Corporation must exercise considerable judgment. Accordingly there can be no assurance that the actual results will not differ from the Corporation's judgments and that such differences may not require the future recognition of other-than-temporary impairment charges that could have a material affect on the Corporation's financial position and results of operations. In addition, the value of, and the realization of any loss on, an investment security is subject to numerous risks as cited above. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The following tables indicate gross unrealized losses not recognized in income and fair value, aggregated by investment category and the length of time individual securities have been in a continuous unrealized loss position at December 31, 2011 and December 31, 2010: &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="608"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="23"&gt;December 31, 2011&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7"&gt;Total&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7"&gt;Less than 12 Months&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7"&gt;12 Months or Longer&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Fair&lt;br /&gt;Value&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Unrealized&lt;br /&gt;Losses&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Fair&lt;br /&gt;Value&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Unrealized&lt;br /&gt;Losses&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Fair&lt;br /&gt;Value&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Unrealized&lt;br /&gt;Losses&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="23"&gt;&lt;font style="font-weight: normal;" class="_mt"&gt;(Dollars in Thousands)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;"&gt;Investment Securities Available-for-Sale:&lt;br /&gt;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Residential mortgage&lt;br /&gt;pass-through securities&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;2,013&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(6&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;2,013&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(6&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Obligations of U.S. states and political subdivisions&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;4,352&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(36&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;4,352&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(36&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Trust preferred securities&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;15,272&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(4,394&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;4,325&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(996&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;10,947&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(3,398&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Corporate bonds and notes&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;97,043&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(4,077&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;89,534&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(3,663&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;7,509&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(414&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Collateralized mortgage obligations&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,899&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(1,327&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,899&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(1,327&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Asset-backed securities&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;3,884&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(13&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;3,884&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(13&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Equity securities&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;1,242&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;(293&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;1,242&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;(293&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 20pt; vertical-align: text-bottom;"&gt;Total&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;125,705&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(10,146&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;104,108&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(4,714&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;21,597&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(5,432&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;"&gt;Investment Securities&lt;br /&gt;Held-to-Maturity:&lt;br /&gt;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Federal agency obligations&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;11,980&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(34&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;11,980&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(34&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Collateralized mortgage obligations&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;6,207&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;(69&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;6,207&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;(69&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 20pt; vertical-align: text-bottom;"&gt;Total&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;18,187&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(103&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;18,187&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(103&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Total Temporarily Impaired Securities&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;143,892&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;(10,249&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;122,295&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;(4,817&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;21,597&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;(5,432&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="608"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="23"&gt;December 31, 2010&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7"&gt;Total&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7"&gt;Less than 12 Months&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7"&gt;12 Months or Longer&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Fair&lt;br /&gt;Value&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Unrealized&lt;br /&gt;Losses&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Fair&lt;br /&gt;Value&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Unrealized&lt;br /&gt;Losses&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Fair&lt;br /&gt;Value&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Unrealized&lt;br /&gt;Losses&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="23"&gt;&lt;font style="font-weight: normal;" class="_mt"&gt;(Dollars in Thousands)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;"&gt;Investment Securities Available-for-Sale:&lt;br /&gt;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;U.S. Treasury and agency securities&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;6,995&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(128&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;6,995&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(128&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Federal agency obligations&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;35,799&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(641&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;32,113&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(622&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;3,686&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(19&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Residential mortgage pass-through securities&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;166,820&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(2,419&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;166,820&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(2,419&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Obligations of U.S. states and political subdivisions&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;19,699&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(1,088&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;19,699&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(1,088&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Trust preferred securities&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;16,058&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(2,517&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;16,058&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(2,517&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Corporate bonds and notes&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;61,434&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(1,613&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;52,985&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(1,175&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;8,449&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(438&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Collateralized mortgage obligations&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;2,728&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(1,213&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;2,728&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(1,213&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Equity securities&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;4,653&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;(382&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;3,427&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;(73&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;1,226&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;(309&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Total Temporarily Impaired Securities&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;314,186&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;(10,001&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;282,039&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;(5,505&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;32,147&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;(4,496&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Investment securities having a carrying value of approximately $98.7 million and $125.6 million at December 31, 2011 and 2010, respectively, were pledged to secure public deposits, short-term borrowings, and FHLB advances and for other purposes required or permitted by law. &lt;/p&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:InvestmentHoldingsTextBlock>
  <us-gaap:LaborAndRelatedExpense contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="-3">9915000</us-gaap:LaborAndRelatedExpense>
  <us-gaap:LaborAndRelatedExpense contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">10765000</us-gaap:LaborAndRelatedExpense>
  <us-gaap:LaborAndRelatedExpense contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">11527000</us-gaap:LaborAndRelatedExpense>
  <us-gaap:Liabilities contextRef="As_Of_12_31_2010" unitRef="Unit1" decimals="-3">1086428000</us-gaap:Liabilities>
  <us-gaap:Liabilities contextRef="As_Of_12_31_2011" unitRef="Unit1" decimals="-3">1296822000</us-gaap:Liabilities>
  <us-gaap:LiabilitiesAndStockholdersEquity contextRef="As_Of_12_31_2010" unitRef="Unit1" decimals="-3">1207385000</us-gaap:LiabilitiesAndStockholdersEquity>
  <us-gaap:LiabilitiesAndStockholdersEquity contextRef="As_Of_12_31_2011" unitRef="Unit1" decimals="-3">1432738000</us-gaap:LiabilitiesAndStockholdersEquity>
  <us-gaap:LifeInsuranceCorporateOrBankOwnedChangeInValue contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="-3">1020000</us-gaap:LifeInsuranceCorporateOrBankOwnedChangeInValue>
  <us-gaap:LifeInsuranceCorporateOrBankOwnedChangeInValue contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">1226000</us-gaap:LifeInsuranceCorporateOrBankOwnedChangeInValue>
  <us-gaap:LifeInsuranceCorporateOrBankOwnedChangeInValue contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">1038000</us-gaap:LifeInsuranceCorporateOrBankOwnedChangeInValue>
  <us-gaap:LoansAndLeasesReceivableAllowance contextRef="As_Of_12_31_2010" unitRef="Unit1" decimals="-3">8867000</us-gaap:LoansAndLeasesReceivableAllowance>
  <us-gaap:LoansAndLeasesReceivableAllowance contextRef="As_Of_12_31_2011" unitRef="Unit1" decimals="-3">9602000</us-gaap:LoansAndLeasesReceivableAllowance>
  <us-gaap:LoansAndLeasesReceivableGrossCarryingAmount contextRef="As_Of_12_31_2010" unitRef="Unit1" decimals="-3">708444000</us-gaap:LoansAndLeasesReceivableGrossCarryingAmount>
  <us-gaap:LoansAndLeasesReceivableGrossCarryingAmount contextRef="As_Of_12_31_2011" unitRef="Unit1" decimals="-3">756010000</us-gaap:LoansAndLeasesReceivableGrossCarryingAmount>
  <us-gaap:LoansAndLeasesReceivableNetReportedAmount contextRef="As_Of_12_31_2010" unitRef="Unit1" decimals="-3">699577000</us-gaap:LoansAndLeasesReceivableNetReportedAmount>
  <us-gaap:LoansAndLeasesReceivableNetReportedAmount contextRef="As_Of_12_31_2011" unitRef="Unit1" decimals="-3">746408000</us-gaap:LoansAndLeasesReceivableNetReportedAmount>
  <us-gaap:LoansNotesTradeAndOtherReceivablesDisclosureTextBlock contextRef="Duration_1_1_2011_To_12_31_2011">&lt;div&gt; &lt;div style="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;" align="left"&gt;

&lt;div style="min-width: 708px; text-align: center;"&gt;

&lt;h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;"&gt;Note 5&amp;nbsp;&amp;#8212;&amp;nbsp;Loans and the Allowance for Loan Losses &lt;/h2&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The following table sets forth the composition of the Corporation's loan portfolio including net deferred fees and costs, at December 31, 2011 and 2010, respectively: &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2011&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2010&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7"&gt;&lt;font style="font-weight: normal;" class="_mt"&gt;(Dollars in Thousands)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Commercial and industrial&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;146,662&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;121,034&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Commercial real estate&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;408,010&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;372,001&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Construction&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;39,382&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;49,744&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Residential mortgage&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;160,999&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;165,154&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Installment&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;957&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;511&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Total loans&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;756,010&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;708,444&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Included in the loan balances above are net deferred loan costs of $17,000 and $258,000 at December 31, 2011 and 2010, respectively. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;At December 31, 2011 and 2010, loans to officers and directors aggregated approximately $10,279,000 and $5,456,000, respectively. During the year ended December 31, 2011, the Corporation made new loans to officers and directors in the amount of $6,875,000; payments by such persons during 2011 aggregated $2,052,000. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Management is of the opinion that the above loans were made on the same terms and conditions as those prevailing for comparable transactions with non-related borrowers. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;At December 31, 2011 and 2010 loan balances of approximately $469.5 million and $435.9 million were pledged to secure short term borrowings from the Federal Reserve Bank of New York and Federal Home Loan Bank Advances. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;During the second quarter of 2010, the Corporation entered into a lease of its former operations facility under a direct financing lease. The lease has a 15 year term with no renewal options. According to the terms of the lease, the lessee has an obligation to purchase the property underlying the lease in either year seven (7), ten (10) or fifteen (15) at predetermined prices for those years as provided in the lease. The structure of the minimum lease payments and the purchase prices as provided in the lease provide an inducement to the lessee to purchase the property in year seven (7). &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;At December 31, 2011 and 2010, the net investment in direct financing lease consists of a minimum lease receivable of $4,870,000 and $5,026,000, respectively, and unearned interest income of $1,123,000 and $1,317,000, respectively, for a net investment in direct financing lease of $3,747,000 and $3,709,000, respectively. The net investment in direct financing lease is carried as a component of loans in the Corporation's consolidated statements of condition. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Minimum future lease receipts of the direct financing lease are as follows: &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="border-bottom: black 1pt solid; text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;For years ending December 31,&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;(Dollars in Thousands)&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;2012&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;171&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;2013&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;216&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;2014&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;216&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;2015&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;228&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;2016&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;265&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Thereafter&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;2,651&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 20pt; vertical-align: text-bottom;"&gt;Total minimum future lease receipts&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;3,747&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The following table presents information about loan receivables on non-accrual status at December 31, 2011 and 2010: &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2011&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2010&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7"&gt;&lt;font style="font-weight: normal;" class="_mt"&gt;(Dollars in Thousands)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Commercial and industrial&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;125&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;456&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Commercial real estate&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;225&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;3,563&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Construction&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;3,044&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;5,865&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Residential mortgage&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;3,477&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;1,290&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Total loans receivable on non-accrual status&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;6,871&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;11,174&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The Corporation continuously monitors the credit quality of its loans receivable. In addition to the internal staff, the Corporation utilizes the services of a third party loan review firm to rate the credit quality of its loans receivable. Credit quality is monitored by reviewing certain credit quality indicators. Assets classified "Pass" are deemed to possess average to superior credit quality, requiring no more than normal attention. Assets classified as "Special Mention" have generally acceptable credit quality yet possess higher risk characteristics/circumstances than satisfactory assets. Such conditions include strained liquidity, slow pay, stale financial statements, or other conditions that require more stringent attention from the lending staff. These conditions, if not corrected, may weaken the loan quality or inadequately protect the Corporation's credit position at some future date. Assets are classified "Substandard" if the asset has a well defined weakness that requires management's attention to a greater degree than for loans classified special mention. Such weakness, if left uncorrected, could possibly result in the compromised ability of the loan to perform to contractual requirements. An asset is classified as "Doubtful" if it is inadequately protected by the net worth and/or paying capacity of the obligor or of the collateral, if any, that secures the obligation. Assets classified as doubtful include assets for which there is a "distinct possibility" that a degree of loss will occur if the inadequacies are not corrected. All loans past due 90 days or more and all impaired loans are included in the appropriate category below. The following table presents information about the loan credit quality at December 31, 2011 and 2010: &lt;/p&gt;

&lt;h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;"&gt;Credit Quality Indicators &lt;/h2&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="608"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="19"&gt;December 31, 2011&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="19"&gt;(Dollars in Thousands)&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Pass&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Special&lt;br /&gt;Mention&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Substandard&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Doubtful&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Total&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Commercial and industrial&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;143,048&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;2,022&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,592&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;146,662&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Commercial real estate&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;371,365&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;24,282&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;12,363&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;408,010&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Construction&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;36,338&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;3,044&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;39,382&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Residential mortgage&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;155,326&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;5,673&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;160,999&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Installment&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;957&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;957&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Total loans&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;707,034&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;26,304&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;22,672&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;756,010&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;"&gt;Credit Quality Indicators&lt;/h2&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="608"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="19"&gt;December 31, 2010&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="19"&gt;(Dollars in Thousands)&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Pass&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Special&lt;br /&gt;Mention&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Substandard&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Doubtful&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Total&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Commercial and industrial&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;116,741&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,929&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;2,364&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;121,034&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Commercial real estate&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;345,096&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;15,383&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;11,522&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;372,001&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Construction&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;43,879&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;3,588&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;2,277&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;49,744&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Residential mortgage&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;161,558&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;3,596&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;165,154&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Installment&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;511&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;511&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Total loans&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;667,785&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;17,312&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;21,070&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;2,277&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;708,444&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The following table provides an analysis of the impaired loans at December 31, 2011 and 2010: &lt;/p&gt;

&lt;h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;"&gt;Impaired Loans &lt;/h2&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="608"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="19"&gt;December 31, 2011&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="19"&gt;(Dollars in Thousands)&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="border-bottom: black 1pt solid; text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;No Related Allowance Recorded&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Recorded&lt;br /&gt;Investment&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Unpaid&lt;br /&gt;Principal&lt;br /&gt;Balance&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Related&lt;br /&gt;Allowance&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Average&lt;br /&gt;Recorded&lt;br /&gt;Investment&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Interest&lt;br /&gt;Income&lt;br /&gt;Recognized&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Commercial and industrial&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;292&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;11&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Commercial real estate&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;2,121&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;2,570&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;3,390&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;149&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Construction&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;3,156&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Total&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;2,121&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;2,570&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;6,838&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;160&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="608"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="border-bottom: black 1pt solid; text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;With An Allowance Recorded&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Recorded&lt;br /&gt;Investment&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Unpaid Principal&lt;br /&gt;Balance&lt;br /&gt;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Related&lt;br /&gt;Allowance&lt;br /&gt;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Average&lt;br /&gt;Recorded&lt;br /&gt;Investment&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Interest&lt;br /&gt;Income&lt;br /&gt;Recognized&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Commercial real estate&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;4,180&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;4,180&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;567&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;4,583&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;258&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Construction&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;3,044&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;3,584&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;200&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;3,048&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;18&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Residential mortgage&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;4,601&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;4,601&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;318&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;4,572&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;102&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Total&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;11,825&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;12,365&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;1,085&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;12,203&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;378&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;&lt;u&gt;Total&lt;/u&gt;&lt;br /&gt;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Commercial and industrial&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;292&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;11&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Commercial real estate&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;6,301&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;6,750&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;567&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;7,973&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;407&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Construction&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;3,044&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;3,584&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;200&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;6,204&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;18&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Residential mortgage&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;4,601&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;4,601&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;318&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;4,572&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;102&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Total (including related allowance)&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;13,946&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;14,935&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;1,085&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;19,041&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;538&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;"&gt;Impaired Loans &lt;/h2&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="608"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="19"&gt;December 31, 2010&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="19"&gt;(Dollars in Thousands)&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="border-bottom: black 1pt solid; text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;No Related Allowance Recorded&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Recorded&lt;br /&gt;Investment&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Unpaid&lt;br /&gt;Principal&lt;br /&gt;Balance&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Related&lt;br /&gt;Allowance&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Average&lt;br /&gt;Recorded&lt;br /&gt;Investment&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Interest&lt;br /&gt;Income&lt;br /&gt;Recognized&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Commercial and industrial&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,364&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,908&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,933&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;87&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Commercial real estate&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;3,984&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;4,625&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;4,274&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;78&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Construction&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;5,865&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;8,642&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;6,855&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;112&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Residential mortgage&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;1,462&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;1,765&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;1,711&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;27&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Total&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;12,675&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;16,940&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;14,773&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;304&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="608"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="border-bottom: black 1pt solid; text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;With An Allowance Recorded&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Recorded Investment&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Unpaid Principal Balance&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Related Allowance&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Average Recorded Investment&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Interest Income Recognized&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Commercial real estate&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;4,180&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;4,180&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;618&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;4,181&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;204&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Residential mortgage&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;1,354&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;1,354&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;21&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;1,356&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;76&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Total&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;5,534&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;5,534&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;639&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;5,537&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;280&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;&lt;u&gt;Total&lt;/u&gt;&lt;br /&gt;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Commercial and industrial&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,364&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,908&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,933&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;87&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Commercial real estate&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;8,164&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;8,805&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;618&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;8,455&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;282&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Construction&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;5,865&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;8,642&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;6,855&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;112&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Residential mortgage&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;2,816&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;3,119&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;21&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;3,067&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;103&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Total (including related allowance)&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;18,209&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;22,474&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;639&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;20,310&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;584&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The Corporation defines an impaired loan as a loan for which it is probable, based on information available at the determination date, that the Corporation will not collect all amounts due under the contractual terms of the loan. At December 31, 2011, impaired loans were primarily collateral dependent, and totaled $13.9 million. Specific reserves of $1.1 million were assigned to impaired loans of $11.8 million. Other impaired loans in the amount of $2.1 million had no specific reserve. At December 31, 2009 average impaired loans were $6.9 million and related interest income recognized was $267,000. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Loans are considered to have been modified in a troubled debt restructuring when due to a borrower's financial difficulties, the Corporation makes certain concessions to the borrower that it would not otherwise consider. Modifications may include interest rate reductions, principal or interest forgiveness, forbearance, and other actions intended to minimize economic loss and to avoid foreclosure or repossession of collateral. Generally, a non-accrual loan that has been modified in a troubled debt restructuring remains on non-accrual status for a period of six months to demonstrate that the borrower is able to meet the terms of the modified loan. However, performance prior to the modification, or significant events that coincide with the modification, are included in assessing whether the borrower can meet the new terms and may result in the loan being returned to accrual status at the time of loan modification or after a shorter performance period. If the borrower's ability to meet the revised payment schedule is uncertain, the loan remains on non-accrual status. Included in impaired loans at December 31, 2011 are loans that are deemed troubled debt restructurings. Of these loans, $7.5 million, 81% of which are included in the tables above, are performing under the restructured terms and are accruing interest. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The following table provides an analysis of the aging of loans, including deferred fees and costs, that are past due at December 31, 2011 and 2010: &lt;/p&gt;

&lt;h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;"&gt;Aging Analysis &lt;/h2&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="608"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="27"&gt;December 31, 2011&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="27"&gt;(Dollars in Thousands)&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;30&amp;nbsp;&amp;#8211;&amp;nbsp;59 Days&lt;br /&gt;Past Due&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;60&amp;nbsp;&amp;#8211;&amp;nbsp;89 Days&lt;br /&gt;Past Due&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Greater&lt;br /&gt;Than&lt;br /&gt;90 Days&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Total&lt;br /&gt;Past Due&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Current&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Total&lt;br /&gt;Loans&lt;br /&gt;Receivable&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Loans&lt;br /&gt;Receivable&lt;br /&gt;&amp;gt; 90 Days&lt;br /&gt;And&lt;br /&gt;Accruing&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Commercial and Industrial&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;137&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,544&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;125&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,806&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;144,856&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;146,662&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Commercial Real Estate&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,331&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;5,335&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,254&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;7,920&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;400,090&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;408,010&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,029&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Construction&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;3,044&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;3,044&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;36,338&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;39,382&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Residential Mortgage&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;2,174&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;99&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;3,477&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;5,750&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;155,249&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;160,999&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Installment&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;16&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;16&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;941&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;957&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 20pt; vertical-align: text-bottom;"&gt;Total&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;3,658&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;6,978&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;7,900&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;18,536&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;737,474&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;756,010&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;1,029&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;"&gt;Aging Analysis &lt;/h2&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="608"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="27"&gt;December 31, 2010&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="27"&gt;(Dollars in Thousands)&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;30&amp;nbsp;&amp;#8211;&amp;nbsp;59 Days&lt;br /&gt;Past Due&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;60&amp;nbsp;&amp;#8211;&amp;nbsp;89 Days&lt;br /&gt;Past Due&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Greater&lt;br /&gt;Than&lt;br /&gt;90 Days&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Total&lt;br /&gt;Past Due&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Current&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Total&lt;br /&gt;Loans&lt;br /&gt;Receivable&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Loans&lt;br /&gt;Receivable&lt;br /&gt;&amp;gt; 90 Days&lt;br /&gt;And&lt;br /&gt;Accruing&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Commercial and Industrial&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,509&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;476&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;456&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;2,441&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;118,593&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;121,034&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Commercial Real Estate&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;4,290&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;2,229&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;3,563&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;10,082&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;361,919&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;372,001&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Construction&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;170&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;449&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;5,865&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;6,484&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;43,260&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;49,744&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Residential Mortgage&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,814&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;309&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;2,004&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;4,127&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;161,027&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;165,154&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;714&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Installment&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;9&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;9&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;502&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;511&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 20pt; vertical-align: text-bottom;"&gt;Total&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;7,792&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;3,463&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;11,888&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;23,143&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;685,301&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;708,444&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;714&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The following table details the amount of loans receivable that are evaluated individually, and collectively, for impairment, and the related portion of the allowance for loan loss that is allocated to each loan portfolio segment: &lt;/p&gt;

&lt;h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;"&gt;Allowance for loan and lease losses &lt;/h2&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="608"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="27"&gt;December 31, 2011&lt;br /&gt;(Dollars in Thousands)&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;C &amp;amp; I&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Comm R/E&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Construction&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Res Mtge&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Installment&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Unallocated&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Total&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;"&gt;Allowance for loan and lease losses:&lt;br /&gt;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Individually evaluated for impairment&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;567&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;200&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;318&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,085&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Collectively evaluated for impairment&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;1,527&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;5,405&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;507&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;945&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;51&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;82&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;8,517&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Total&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;1,527&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;5,972&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;707&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;1,263&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;51&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;82&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;9,602&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;"&gt;Loans Receivable&lt;br /&gt;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Individually evaluated for impairment&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;953&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;12,769&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;3,044&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;5,050&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;21,816&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Collectively evaluated for impairment&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;145,709&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;395,241&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;36,338&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;155,949&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;957&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;734,194&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Total&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;146,662&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;408,010&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;39,382&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;160,999&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;957&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;756,010&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;"&gt;Allowance for loan and lease losses &lt;/h2&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="608"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="27"&gt;December 31, 2010&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="27"&gt;(Dollars in Thousands)&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;C &amp;amp; I&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Comm R/E&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Construction&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Res Mtge&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Installment&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Unallocated&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Total&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;"&gt;Allowance for loan and lease losses:&lt;br /&gt;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Individually evaluated for impairment&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;618&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;21&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;639&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Collectively evaluated for impairment&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;1,272&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;5,097&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;551&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;1,017&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;52&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;239&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;8,228&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Total&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;1,272&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;5,715&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;551&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;1,038&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;52&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;239&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;8,867&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;"&gt;Loans Receivable&lt;br /&gt;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Individually evaluated for impairment&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;2,748&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;11,960&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;5,865&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,354&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;21,927&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Collectively evaluated for impairment&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;118,286&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;360,041&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;43,879&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;163,800&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;511&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;686,517&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Total&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;121,034&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;372,001&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;49,744&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;165,154&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;511&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;708,444&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The Corporation's allowance for loan losses is analyzed quarterly and many factors are considered, including growth in the portfolio, delinquencies, nonaccrual loan levels, and other factors inherent in the extension of credit. There have been no material changes to the allowance for loan loss methodology as disclosed in the Corporation's previous Annual Reports. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;A summary of the activity in the allowance for loan losses is as follows: &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="608"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="27"&gt;Year Ended December 31, 2011&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="27"&gt;(Dollars in thousands)&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;C &amp;amp; I&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Comm R/E&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Construction&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Res Mtg&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Installment&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Unallocated&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Total&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Balance at January 1,&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,272&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;5,715&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;551&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,038&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;52&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;239&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;8,867&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Loans charged-off&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(186&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(1,168&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(631&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(23&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(20&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(2,028&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Recoveries&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;240&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;15&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;53&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;7&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;315&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Provision for loan losses&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;201&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;1,410&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;787&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;195&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;12&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;(157&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;2,448&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Balance at December 31,&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;1,527&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;5,972&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;707&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;1,263&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;51&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;82&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;9,602&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11"&gt;For the Year Ended December 31,&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2011&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2010&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2009&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11"&gt;&lt;font style="font-weight: normal;" class="_mt"&gt;(Dollars in Thousands)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Balance at the beginning of year&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;8,867&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;8,711&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;6,254&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Provision for loan losses&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;2,448&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;5,076&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;4,597&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Loans charged-off&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(2,028&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(4,940&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(2,152&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Recoveries on loans previously charged-off&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;315&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;20&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;12&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Balance at the end of year&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;9,602&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;8,867&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;8,711&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The amount of interest income that would have been recorded on non-accrual loans in 2011, 2010 and 2009 had payments remained in accordance with the original contractual terms was $378,000, $598,000 and $431,000, respectively. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;At December 31, 2011, there were no commitments to lend additional funds to borrowers whose loans were non-accrual or contractually past due in excess of 90 days and still accruing interest. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The policy of the Corporation is to generally grant commercial, mortgage and installment loans to New Jersey residents and businesses within its market area. The borrowers' abilities to repay their obligations are dependent upon various factors including the borrowers' income and net worth, cash flows generated by the borrowers' underlying collateral, value of the underlying collateral, and priority of the lender's lien on the property. Such factors are dependent upon various economic conditions and individual circumstances beyond the control of the Corporation. The Corporation is therefore subject to risk of loss. The Corporation believes its lending policies and procedures adequately minimize the potential exposure to such risks and that adequate provisions for loan losses are provided for all known and inherent risks. Collateral and/or personal guarantees are required for a large majority of the Corporation's loans. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The following table presents information about the troubled debt restructurings (TDRs) by class transacted during the period indicated: &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11"&gt;Year Ended December 31, 2011&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Number of&lt;br /&gt;Loans&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Pre-restructuring&lt;br /&gt;Outstanding&lt;br /&gt;Recorded&lt;br /&gt;Investment&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Post-restructuring&lt;br /&gt;Outstanding&lt;br /&gt;Recorded&lt;br /&gt;Investment&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11"&gt;&lt;font style="font-weight: normal;" class="_mt"&gt;(Dollars in Thousands)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Troubled debt restructurings:&lt;br /&gt;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 20pt; vertical-align: text-bottom;"&gt;Commercial Real Estate&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,719&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,318&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 20pt; vertical-align: text-bottom;"&gt;Residential Mortgage&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;5&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;1,624&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;1,575&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 30pt; vertical-align: text-bottom;"&gt;Total&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;6&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;3,343&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;2,893&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The Corporation charged off $450,000 in connection with loan modifications at the time of the modification during the twelve months ended December 31, 2011. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The Corporation had no loans modified as a TDR within the previous twelve months that subsequently defaulted during the twelve months ended December 31, 2011. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The Corporation adopted ASU No. 2011-02 on July 1, 2011 which provides additional guidance to creditors for evaluating whether a modification or restructuring of a receivable is a troubled debt restructuring. In general, a modification or restructuring of a loan constitutes a TDR if the Corporation grants a concession to a borrower experiencing financial difficulty. Loans modified in TDRs are placed on non-accrual status until the Corporation determines that future collection of principal and interest is reasonably assured, which generally requires that the borrower demonstrate performance according to the restructured terms for a period of at least six months. However, performance prior to the modification, or significant events that coincide with the modification, are included in assessing whether the borrower can meet the new terms and may result in the loan being returned to accrual status at the time of loan modification or after a shorter performance period. If the borrower's ability to meet the revised payment schedule is uncertain, the loan remains on non-accrual status. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Loans modified in a troubled debt restructuring totaled $11.1 million at December 31, 2011 of which $3.7 million were on non-accrual status. The remaining loans modified were current at the time of the restructuring and have complied with the terms of their restructure agreement. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;In an effort to proactively manage delinquent loans, the Corporation has selectively extended to certain borrowers concessions such as rate reductions, extension of maturity dates, principal or interest forgiveness, adjusted repayment terms, forbearance agreements, or combinations of two or more of these concessions. As of December 31, 2011, loans on which concessions were made with respect to adjusted repayment terms amounted to $1.7 million. Loans on which combinations of two or more concessions were made amounted to $9.4 million. The concessions granted included principal concessions, rate reduction, adjusted repayment, extended maturity and payment deferral. &lt;/p&gt;&lt;/div&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:LoansNotesTradeAndOtherReceivablesDisclosureTextBlock>
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  <us-gaap:PaymentsForOriginationAndPurchasesOfLoansHeldForSale contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="-3">3453000</us-gaap:PaymentsForOriginationAndPurchasesOfLoansHeldForSale>
  <us-gaap:PaymentsForOriginationAndPurchasesOfLoansHeldForSale contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">8347000</us-gaap:PaymentsForOriginationAndPurchasesOfLoansHeldForSale>
  <us-gaap:PaymentsForOriginationAndPurchasesOfLoansHeldForSale contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">14357000</us-gaap:PaymentsForOriginationAndPurchasesOfLoansHeldForSale>
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  <us-gaap:PaymentsOfDividendsPreferredStockAndPreferenceStock contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">417000</us-gaap:PaymentsOfDividendsPreferredStockAndPreferenceStock>
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  <us-gaap:PaymentsToAcquireAvailableForSaleSecurities contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="-3">785044000</us-gaap:PaymentsToAcquireAvailableForSaleSecurities>
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  <us-gaap:PaymentsToAcquireHeldToMaturitySecurities contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">13118000</us-gaap:PaymentsToAcquireHeldToMaturitySecurities>
  <us-gaap:PaymentsToAcquireLifeInsurancePolicies contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="-3">2475000</us-gaap:PaymentsToAcquireLifeInsurancePolicies>
  <us-gaap:PaymentsToAcquireLifeInsurancePolicies contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">6000000</us-gaap:PaymentsToAcquireLifeInsurancePolicies>
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  <us-gaap:PaymentsToAcquirePropertyPlantAndEquipment contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">300000</us-gaap:PaymentsToAcquirePropertyPlantAndEquipment>
  <us-gaap:PaymentsToAcquirePropertyPlantAndEquipment contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">316000</us-gaap:PaymentsToAcquirePropertyPlantAndEquipment>
  <us-gaap:PensionAndOtherPostretirementBenefitsDisclosureTextBlock contextRef="Duration_1_1_2011_To_12_31_2011">&lt;div&gt; &lt;div style="min-width: 708px; text-align: center;"&gt;

&lt;h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;"&gt;Note 15&amp;nbsp;&amp;#8212;&amp;nbsp;Pension and Other Benefits &lt;/h2&gt;

&lt;h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;"&gt;Defined Benefit Plans &lt;/h3&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The Corporation maintained a non-contributory pension plan for substantially all of its employees until September 30, 2007, at which time the Corporation froze its defined benefit pension plan. The benefits are based on years of service and the employee's compensation over the prior five-year period. The plan's benefits are payable in the form of a ten year certain and life annuity. The plan is intended to be a tax-qualified defined benefit plan under Section 401(a) of the Internal Revenue Code. The Pension Plan, which has been in effect since March 15, 1950, generally covers employees of Union Center National Bank and the Parent Corporation who have attained age 21 and completed one year of service prior to September 30, 2007. Payments may be made under the Pension Plan once attaining the normal retirement age of 65 and is generally equal to 44 percent of a participant's highest average compensation over a 5-year period. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The following table sets forth changes in projected benefit obligation, changes in fair value of plan assets, funded status, and amounts recognized in the consolidated statements of condition for the Corporation's pension plans at December 31, 2011 and 2010. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="608"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2011&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2010&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7"&gt;&lt;font style="font-weight: normal;" class="_mt"&gt;(Dollars in Thousands)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;"&gt;Change in Benefit Obligation:&lt;br /&gt;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Projected benefit obligation at beginning of year&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;11,032&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;10,660&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Service cost&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Interest cost&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;589&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;601&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Actuarial loss&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,335&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;393&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Benefits paid&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;(611&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;(622&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Projected benefit obligation at end of year&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;12,345&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;11,032&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;"&gt;Change in Plan Assets:&lt;br /&gt;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Fair value of plan assets at beginning year&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;6,993&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;6,652&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Actual return on plan assets&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(111&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;663&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Employer contributions&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;491&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;300&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Benefits paid&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;(611&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;(622&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Fair value of plan assets at end of year&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;6,762&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;6,993&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Funded status&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;(5,583&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;(4,039&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Amounts related to unrecognized actuarial losses for the plan, on a pre-tax basis, that have been recognized in accumulated other comprehensive loss amounted to $5,563,000 and $3,914,000 at December 31, 2011 and 2010, respectively. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The net periodic pension cost for 2011, 2010 and 2009 includes the following components: &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2011&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2010&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2009&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11"&gt;&lt;font style="font-weight: normal;" class="_mt"&gt;(Dollars in Thousands)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Service cost&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Interest cost&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;589&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;601&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;606&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Expected return on plan assets&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(381&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(413&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(288&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Net amortization and deferral&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;179&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;130&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Net periodic pension expense&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;387&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;318&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;318&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The following table presents the assumptions used to calculate the projected benefit obligation in each of the last three years. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="608"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2011&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2010&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2009&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Discount rate&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;4.64&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;5.25&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;5.75&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Rate of compensation increase&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;N/A&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;N/A&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;N/A&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Expected long-term rate of return on plan assets&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;5.50&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;6.25&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;5.00&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The following information is provided at December 31: &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2011&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2010&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2009&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11"&gt;&lt;font style="font-weight: normal;" class="_mt"&gt;(Dollars in Thousands)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;"&gt;Information for Plans With a Benefit Obligation in Excess of Plan Assets&lt;br /&gt;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="font-style: italic; padding-left: 10pt; vertical-align: text-bottom;"&gt;Weighted average assumptions used to determine net periodic benefit cost for years ended December 31&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Discount rate&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;5.25&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;5.75&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;6.25&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Expected long-term return on plan assets&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;5.50&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;6.25&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;5.00&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Rate of compensation increase&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;N/A&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;N/A&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;N/A&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The process of determining the overall expected long-term rate of return on plan assets begins with a review of appropriate investment data, including current yields on fixed income securities, historical investment data, historical plan performance and forecasts of inflation and future total returns for the various asset classes. This data forms the basis for the construction of a best-estimate range of real investment return for each asset class. An average, weighted real-return range is computed reflecting the Plan's expected asset mix, and that range, when combined with an expected inflation range, produces an overall best-estimate expected return range. Specific factors such as the Plan's investment policy, reinvestment risk and investment volatility are taken into consideration during the construction of the best estimate real return range, as well as in the selection of the final return assumption from within the range. &lt;/p&gt;

&lt;h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;"&gt;Plan Assets &lt;/h3&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The Union Center National Bank Pension Trust's weighted-average asset allocation at December 31, 2011, 2010 and 2009, by asset category, is as follows: &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="border-bottom: black 1pt solid; text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;Asset Category&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2011&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2010&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2009&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Equity securities&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;47&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;44&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;44&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Debt and/or fixed income securities&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;41&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;37&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;46&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 20pt; vertical-align: text-bottom;"&gt;Alternative investments, including commodities, foreign currency and real estate&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;4&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;5&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 20pt; vertical-align: text-bottom;"&gt;Cash and other alternative investments, including hedge funds, equity structured notes&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;8&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;19&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;5&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Total&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;100&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;100&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;100&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The general investment policy of the Pension Trust is for the fund to experience growth in assets that will allow the market value to exceed the value of benefit obligations over time. Appropriate diversification on a total fund basis is achieved by following an allowable range of commitment within asset category, as follows: &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Range&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Target&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Equity securities&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;21&amp;nbsp;&amp;#8211;&amp;nbsp;32&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;26&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Debt and/or fixed income securities&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;33&amp;nbsp;&amp;#8211;&amp;nbsp;49&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;41&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;International equity&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;18&amp;nbsp;&amp;#8211;&amp;nbsp;27&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;22&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Short term&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;N/A&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;N/A&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Other&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;8&amp;nbsp;&amp;#8211;&amp;nbsp;13&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;11&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The fair values of the Corporation's pension plan assets at December 31, 2011 and 2010, by asset category, are as follows: &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;" rowspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" rowspan="2" colspan="3"&gt;December 31,&lt;br /&gt;2011&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11"&gt;Fair Value Measurements at Reporting Date Using&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Quoted Prices&lt;br /&gt;in Active&lt;br /&gt;Markets for&lt;br /&gt;Identical Assets&lt;br /&gt;(Level 1)&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Significant&lt;br /&gt;Other&lt;br /&gt;Observable&lt;br /&gt;Inputs&lt;br /&gt;(Level 2)&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Significant&lt;br /&gt;Unobservable&lt;br /&gt;Inputs&lt;br /&gt;(Level 3)&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="15"&gt;&lt;font style="font-weight: normal;" class="_mt"&gt;(Dollars in Thousands)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Cash&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;512&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;512&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Equity securities:&lt;br /&gt;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 20pt; vertical-align: text-bottom;"&gt;U.S. companies&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,788&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,788&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 20pt; vertical-align: text-bottom;"&gt;International companies&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,405&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,405&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;U.S. Treasury securities&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;2,798&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;2,798&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Commodities&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;259&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;259&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 20pt; vertical-align: text-bottom;"&gt;Total&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;6,762&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;6,762&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;" rowspan="2"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" rowspan="2" colspan="3"&gt;December 31, 2010&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11"&gt;Fair Value Measurements at Reporting Date Using&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Quoted Prices&lt;br /&gt;in Active&lt;br /&gt;Markets for&lt;br /&gt;Identical Assets&lt;br /&gt;(Level 1)&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Significant&lt;br /&gt;Other&lt;br /&gt;Observable&lt;br /&gt;Inputs&lt;br /&gt;(Level 2)&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Significant&lt;br /&gt;Unobservable&lt;br /&gt;Inputs&lt;br /&gt;(Level 3)&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="15"&gt;&lt;font style="font-weight: normal;" class="_mt"&gt;(Dollars in Thousands)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Cash&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,379&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,379&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Equity Securities:&lt;br /&gt;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 20pt; vertical-align: text-bottom;"&gt;U.S. companies&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,522&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,522&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 20pt; vertical-align: text-bottom;"&gt;International companies&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,534&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,534&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;U.S. Treasury securities&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;2,378&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;2,378&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Corporate bonds&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;180&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;180&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 20pt; vertical-align: text-bottom;"&gt;Total&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;6,993&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;6,993&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The following table presents the changes in pension plan asset with significant unobservable inputs (Level 3) for the year ended December 31: &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2011&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2010&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7"&gt;&lt;font style="font-weight: normal;" class="_mt"&gt;(Dollars in Thousands)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Beginning balance, January 1,&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;331&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Actual return on plan assets:&lt;br /&gt;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 20pt; vertical-align: text-bottom;"&gt;Relating to assets still held at the reporting date&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 20pt; vertical-align: text-bottom;"&gt;Relating to assets sold during the period&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;8&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Purchases, sales and settlements&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(339&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Transfers out of Level 3&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Ending balance, December 31,&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;&amp;#8212;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The investment manager is not authorized to purchase, acquire or otherwise hold certain types of market securities (subordinated bonds, real estate investment trusts, limited partnerships, naked puts, naked calls, stock index futures, oil, gas or mineral exploration ventures or unregistered securities) or to employ certain types of market techniques (margin purchases or short sales) or to mortgage, pledge, hypothecate, or in any manner transfer as security for indebtedness, any security owned or held by the Plan. &lt;/p&gt;

&lt;h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;"&gt;Cash Flows &lt;/h3&gt;

&lt;h4 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: italic 10pt/12pt serif; padding-top: 3pt;"&gt;Contributions &lt;/h4&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The Bank expects to contribute $453,000 to its Pension Trust in 2012. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The Preservation of Access to Care for Medicare Beneficiaries and Pension Relief Act of 2010, signed into law on June 25, 2010, permits single employer and multiple employer defined benefit plan sponsors to elect to extend the plan's amortization period of a Shortfall Amortization Base over either a nine year period or a fifteen year period, rather than the seven year period required under the Pension Protection Act of 2006. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The Bank has elected to apply the Pension Relief Act Fifteen Year amortization of the Shortfall Amortization Base for its 2012 minimum funding requirement. The minimum amount to be funded is $453,000, as noted above, by December 31, 2012 with the understanding that fully funding the plan earlier than this date will lower this amount and that funding the plan after this date will increase this amount. As noted, this amount is the minimum required funding amount. The Bank does have the option of funding above this amount but has contributed the minimum historically. &lt;/p&gt;

&lt;h4 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: italic 10pt/12pt serif; padding-top: 3pt;"&gt;Estimated Future Benefit Payments &lt;/h4&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The following benefit payments, which reflect expected future service, as appropriate, are expected to be paid in each year 2012, 2013, 2014, 2015, 2016 and years 2017-2021, respectively: $701,241, $717,192, $775,137, $767,674, $772,132 and $3,980,680. &lt;/p&gt;

&lt;h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;"&gt;401(k) Benefit Plan &lt;/h3&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The Corporation maintains a 401(k) employee savings plan to provide for defined contributions which covers substantially all employees of the Corporation. The Corporation's contribution to its 401(k) plan provides a dollar-for-dollar matching contribution up to six percent of salary deferrals. For 2011, 2010 and 2009, employer contributions amounted to $358,000, $294,000 and $266,000, respectively. &lt;/p&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:PensionAndOtherPostretirementBenefitsDisclosureTextBlock>
  <us-gaap:PreferredStockDividendsAndOtherAdjustments contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="-3">567000</us-gaap:PreferredStockDividendsAndOtherAdjustments>
  <us-gaap:PreferredStockDividendsAndOtherAdjustments contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">581000</us-gaap:PreferredStockDividendsAndOtherAdjustments>
  <us-gaap:PreferredStockDividendsAndOtherAdjustments contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">820000</us-gaap:PreferredStockDividendsAndOtherAdjustments>
  <us-gaap:PreferredStockLiquidationPreference contextRef="As_Of_12_31_2010" unitRef="Unit13" decimals="INF">1000</us-gaap:PreferredStockLiquidationPreference>
  <us-gaap:PreferredStockLiquidationPreference contextRef="As_Of_12_31_2011" unitRef="Unit13" decimals="INF">1000</us-gaap:PreferredStockLiquidationPreference>
  <us-gaap:PreferredStockRedemptionDiscount contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">-10000000</us-gaap:PreferredStockRedemptionDiscount>
  <us-gaap:PreferredStockRedemptionDiscount contextRef="Duration_1_1_2011_To_12_31_2011_us-gaap_StatementEquityComponentsAxis_us-gaap_PreferredStockMember" unitRef="Unit1" decimals="-3">-10000000</us-gaap:PreferredStockRedemptionDiscount>
  <us-gaap:PreferredStockSharesAuthorized contextRef="As_Of_12_31_2010" unitRef="Unit12" decimals="INF">5000000</us-gaap:PreferredStockSharesAuthorized>
  <us-gaap:PreferredStockSharesAuthorized contextRef="As_Of_12_31_2011" unitRef="Unit12" decimals="INF">5000000</us-gaap:PreferredStockSharesAuthorized>
  <us-gaap:PreferredStockSharesIssued contextRef="As_Of_12_31_2009" unitRef="Unit12" decimals="-3">10000</us-gaap:PreferredStockSharesIssued>
  <us-gaap:PreferredStockSharesIssued contextRef="As_Of_12_31_2010_us-gaap_StatementClassOfStockAxis_us-gaap_SeriesAPreferredStockMember" unitRef="Unit12" decimals="INF">10000</us-gaap:PreferredStockSharesIssued>
  <us-gaap:PreferredStockSharesIssued contextRef="As_Of_12_31_2011_us-gaap_StatementClassOfStockAxis_us-gaap_SeriesBPreferredStockMember" unitRef="Unit12" decimals="INF">11250</us-gaap:PreferredStockSharesIssued>
  <us-gaap:PreferredStockSharesOutstanding contextRef="As_Of_12_31_2010_us-gaap_StatementClassOfStockAxis_us-gaap_SeriesAPreferredStockMember" unitRef="Unit12" decimals="INF">10000</us-gaap:PreferredStockSharesOutstanding>
  <us-gaap:PreferredStockSharesOutstanding contextRef="As_Of_12_31_2011_us-gaap_StatementClassOfStockAxis_us-gaap_SeriesBPreferredStockMember" unitRef="Unit12" decimals="INF">11250</us-gaap:PreferredStockSharesOutstanding>
  <us-gaap:PreferredStockValue contextRef="As_Of_12_31_2010" unitRef="Unit1" decimals="-3">9700000</us-gaap:PreferredStockValue>
  <us-gaap:PreferredStockValue contextRef="As_Of_12_31_2011" unitRef="Unit1" decimals="-3">11250000</us-gaap:PreferredStockValue>
  <us-gaap:PrepaidInsurance contextRef="As_Of_12_31_2010" unitRef="Unit1" decimals="-3">3582000</us-gaap:PrepaidInsurance>
  <us-gaap:PrepaidInsurance contextRef="As_Of_12_31_2011" unitRef="Unit1" decimals="-3">1884000</us-gaap:PrepaidInsurance>
  <us-gaap:ProceedsFromLifeInsurancePolicies contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="-3">266000</us-gaap:ProceedsFromLifeInsurancePolicies>
  <us-gaap:ProceedsFromLifeInsurancePolicies contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">15000</us-gaap:ProceedsFromLifeInsurancePolicies>
  <us-gaap:ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="-3">58206000</us-gaap:ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities>
  <us-gaap:ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">67960000</us-gaap:ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities>
  <us-gaap:ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">48029000</us-gaap:ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities>
  <us-gaap:ProceedsFromRealEstateAndRealEstateJointVentures contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="-3">3520000</us-gaap:ProceedsFromRealEstateAndRealEstateJointVentures>
  <us-gaap:ProceedsFromRealEstateAndRealEstateJointVentures contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">1720000</us-gaap:ProceedsFromRealEstateAndRealEstateJointVentures>
  <us-gaap:ProceedsFromRealEstateAndRealEstateJointVentures contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">33000</us-gaap:ProceedsFromRealEstateAndRealEstateJointVentures>
  <us-gaap:ProceedsFromRepaymentsOfShortTermDebt contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="-3">966000</us-gaap:ProceedsFromRepaymentsOfShortTermDebt>
  <us-gaap:ProceedsFromRepaymentsOfShortTermDebt contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">-4254000</us-gaap:ProceedsFromRepaymentsOfShortTermDebt>
  <us-gaap:ProceedsFromRepaymentsOfShortTermDebt contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">-41855000</us-gaap:ProceedsFromRepaymentsOfShortTermDebt>
  <us-gaap:ProceedsFromSaleAndCollectionOfLoansHeldforsale contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="-3">3458000</us-gaap:ProceedsFromSaleAndCollectionOfLoansHeldforsale>
  <us-gaap:ProceedsFromSaleAndCollectionOfLoansHeldforsale contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">8154000</us-gaap:ProceedsFromSaleAndCollectionOfLoansHeldforsale>
  <us-gaap:ProceedsFromSaleAndCollectionOfLoansHeldforsale contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">13923000</us-gaap:ProceedsFromSaleAndCollectionOfLoansHeldforsale>
  <us-gaap:ProceedsFromSaleOfAvailableForSaleSecurities contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="-3">665828000</us-gaap:ProceedsFromSaleOfAvailableForSaleSecurities>
  <us-gaap:ProceedsFromSaleOfAvailableForSaleSecurities contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">644075000</us-gaap:ProceedsFromSaleOfAvailableForSaleSecurities>
  <us-gaap:ProceedsFromSaleOfAvailableForSaleSecurities contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">254821000</us-gaap:ProceedsFromSaleOfAvailableForSaleSecurities>
  <us-gaap:ProceedsFromSaleOfPropertyPlantAndEquipment contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="-3">1000</us-gaap:ProceedsFromSaleOfPropertyPlantAndEquipment>
  <us-gaap:ProceedsFromSaleOfPropertyPlantAndEquipment contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">1000</us-gaap:ProceedsFromSaleOfPropertyPlantAndEquipment>
  <us-gaap:ProceedsFromStockOptionsExercised contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="-3">57000</us-gaap:ProceedsFromStockOptionsExercised>
  <us-gaap:ProceedsFromStockOptionsExercised contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">328000</us-gaap:ProceedsFromStockOptionsExercised>
  <us-gaap:ProfessionalFees contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="-3">811000</us-gaap:ProfessionalFees>
  <us-gaap:ProfessionalFees contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">1121000</us-gaap:ProfessionalFees>
  <us-gaap:ProfessionalFees contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">1156000</us-gaap:ProfessionalFees>
  <us-gaap:PropertyPlantAndEquipmentDisclosureTextBlock contextRef="Duration_1_1_2011_To_12_31_2011">&lt;div&gt; &lt;div style="min-width: 708px; text-align: center;"&gt;

&lt;h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;"&gt;Note 6&amp;nbsp;&amp;#8212;&amp;nbsp;Premises and Equipment &lt;/h2&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Premises and equipment are summarized as follows: &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Estimated&lt;br /&gt;Useful Life&lt;br /&gt;(Years)&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2011&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2010&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11"&gt;&lt;font style="font-weight: normal;" class="_mt"&gt;(Dollars in Thousands)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Land&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;2,403&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;2,403&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Buildings&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;5&amp;nbsp;&amp;#8211;&amp;nbsp;40&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;12,711&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;12,656&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Furniture, fixtures and equipment&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;2&amp;nbsp;&amp;#8211;&amp;nbsp;20&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;16,191&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;15,929&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Leasehold improvements&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;5&amp;nbsp;&amp;#8211;&amp;nbsp;30&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;1,839&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;1,839&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Subtotal&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;33,144&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;32,827&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Less: accumulated depreciation and amortization&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: right; vertical-align: text-bottom;"&gt; &lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;20,817&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;19,890&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Total premises and equipment, net&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: right; vertical-align: text-bottom;"&gt; &lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;12,327&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;12,937&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Depreciation and amortization expense of premises and equipment for the three years ended December 31, amounted to $926,000 in 2011, $1,096,000 in 2010 and $1,369,000 in 2009, respectively.&lt;/p&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:PropertyPlantAndEquipmentDisclosureTextBlock>
  <us-gaap:PropertyPlantAndEquipmentNet contextRef="As_Of_12_31_2010" unitRef="Unit1" decimals="-3">12937000</us-gaap:PropertyPlantAndEquipmentNet>
  <us-gaap:PropertyPlantAndEquipmentNet contextRef="As_Of_12_31_2011" unitRef="Unit1" decimals="-3">12327000</us-gaap:PropertyPlantAndEquipmentNet>
  <us-gaap:ProvisionForLoanAndLeaseLosses contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="-3">4597000</us-gaap:ProvisionForLoanAndLeaseLosses>
  <us-gaap:ProvisionForLoanAndLeaseLosses contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">5076000</us-gaap:ProvisionForLoanAndLeaseLosses>
  <us-gaap:ProvisionForLoanAndLeaseLosses contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">2448000</us-gaap:ProvisionForLoanAndLeaseLosses>
  <us-gaap:QuarterlyFinancialInformationTextBlock contextRef="Duration_1_1_2011_To_12_31_2011">&lt;div&gt; &lt;div style="min-width: 708px; text-align: center;"&gt;

&lt;h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;"&gt;Note 20&amp;nbsp;&amp;#8212;&amp;nbsp;Quarterly Financial Information of Center Bancorp, Inc. (Unaudited) &lt;/h2&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="608"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="15"&gt;2011&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;4th Quarter&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;3rd Quarter&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2nd Quarter&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;1st Quarter&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="15"&gt;&lt;font style="font-weight: normal;" class="_mt"&gt;(Dollars in Thousands, Except per Share Data)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Total interest income&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;13,263&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;12,919&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;12,878&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;12,867&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Total interest expense&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;3,101&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;3,069&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;3,085&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;2,922&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Net interest income&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;10,162&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;9,850&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;9,793&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;9,945&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Provision for loan losses&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;300&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,020&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;250&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;878&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Total other income, net of securities gains&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,049&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,033&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;931&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;831&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Net securities gains&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;817&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,250&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;801&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;766&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Other expense&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;6,222&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;5,529&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;5,757&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;5,935&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Income before income taxes&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;5,506&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;5,584&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;5,518&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;4,729&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Provision from income taxes&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;1,884&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;1,882&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;1,934&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;1,711&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Net income&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;3,622&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;3,702&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;3,584&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;3,018&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Net income available to common stockholders&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;3,238&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;3,557&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;3,439&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;2,872&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Earnings per share:&lt;br /&gt;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Basic&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;0.20&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;0.22&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;0.21&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;0.18&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Diluted&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;0.20&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;0.22&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;0.21&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;0.18&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Weighted average common shares outstanding:&lt;br /&gt;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Basic&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;16,311,193&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;16,290,700&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;16,290,700&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;16,290,391&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Diluted&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;16,327,990&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;16,313,366&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;16,315,667&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;16,300,604&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="608"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="15"&gt;2010&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;4th Quarter&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;3rd Quarter&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;2nd Quarter&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;1st Quarter&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="15"&gt;&lt;font style="font-weight: normal;" class="_mt"&gt;(Dollars in Thousands, Except per Share Data)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Total interest income&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;11,519&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;12,035&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;12,488&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;12,672&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Total interest expense&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;3,138&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;3,653&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;3,831&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;4,163&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Net interest income&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;8,381&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;8,382&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;8,657&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;8,509&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Provision for loan losses&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;2,048&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,307&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;781&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;940&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Total other income, net of securities gains&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;989&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,102&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;825&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;895&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Net securities gains (losses)&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;315&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,033&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;657&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(3,344&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Other expense&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;5,997&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;5,442&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;6,268&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;6,392&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Income (loss) before income taxes&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;1,640&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;3,768&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;3,090&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;(1,272&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;"&gt;Provision (Benefit) from income taxes&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;(930&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;1,629&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;1,076&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;"&gt;(1,553&lt;/td&gt;
&lt;td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;)&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Net income&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;2,570&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;2,139&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;2,014&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;281&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;"&gt;Net income available to common stockholders&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;2,426&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;1,993&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;1,868&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;"&gt;136&lt;/td&gt;
&lt;td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Earnings per share:&lt;br /&gt;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Basic&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;0.15&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;0.14&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;0.13&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;0.01&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Diluted&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;0.15&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;0.14&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;0.13&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;0.01&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Weighted average common shares outstanding:&lt;br /&gt;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Basic&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;16,289,832&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;14,649,397&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;14,574,832&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;14,574,832&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Diluted&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;16,290,071&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;14,649,397&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;14,576,223&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;14,579,871&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="text-align: left; text-indent: 1px;"&gt; &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Note:&amp;nbsp;&amp;nbsp;Due to rounding, quarterly earnings per share may not sum to reported annual earnings per share.&lt;/p&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:QuarterlyFinancialInformationTextBlock>
  <us-gaap:RepaymentsOfFederalHomeLoanBankBorrowings contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="-3">153000</us-gaap:RepaymentsOfFederalHomeLoanBankBorrowings>
  <us-gaap:RepaymentsOfFederalHomeLoanBankBorrowings contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">52144000</us-gaap:RepaymentsOfFederalHomeLoanBankBorrowings>
  <us-gaap:RepaymentsOfFederalHomeLoanBankBorrowings contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">10000000</us-gaap:RepaymentsOfFederalHomeLoanBankBorrowings>
  <us-gaap:RestrictedInvestments contextRef="As_Of_12_31_2010" unitRef="Unit1" decimals="-3">9596000</us-gaap:RestrictedInvestments>
  <us-gaap:RestrictedInvestments contextRef="As_Of_12_31_2011" unitRef="Unit1" decimals="-3">9233000</us-gaap:RestrictedInvestments>
  <us-gaap:RestrictionsOnDividendsLoansAndAdvancesTextBlock contextRef="Duration_1_1_2011_To_12_31_2011">&lt;div&gt; &amp;nbsp;

&lt;div style="min-width: 708px; text-align: center;"&gt;

&lt;h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;"&gt;Note 17&amp;nbsp;&amp;#8212;&amp;nbsp;Dividends and Other Restrictions &lt;/h2&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Certain restrictions, including capital requirements, exist on the availability of undistributed net profits of the Bank for the future payment of dividends to the Parent Corporation. A dividend may not be paid if it would impair the capital of the Bank. Furthermore, prior approval by the Comptroller of the Currency is required if the total of dividends declared in a calendar year exceeds the total of the Bank's net profits for that year combined with the retained profits for the two preceding years. The Office of the Comptroller of the Currency (the "OCC") has determined that the Memorandum of Understanding (the "MOU") that had previously been entered into by the Bank is no longer required and, accordingly, the OCC has terminated the MOU. Therefore, the Bank may declare dividends without prior approval of the OCC. At December 31, 2011, approximately $22.3 million was available for payment of dividends based on the preceding guidelines.&lt;/p&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:RestrictionsOnDividendsLoansAndAdvancesTextBlock>
  <us-gaap:RetainedEarningsAccumulatedDeficit contextRef="As_Of_12_31_2010" unitRef="Unit1" decimals="-3">21633000</us-gaap:RetainedEarningsAccumulatedDeficit>
  <us-gaap:RetainedEarningsAccumulatedDeficit contextRef="As_Of_12_31_2011" unitRef="Unit1" decimals="-3">32695000</us-gaap:RetainedEarningsAccumulatedDeficit>
  <us-gaap:ShareBasedCompensation contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="-3">77000</us-gaap:ShareBasedCompensation>
  <us-gaap:ShareBasedCompensation contextRef="Duration_1_1_2009_To_12_31_2009_us-gaap_StatementEquityComponentsAxis_us-gaap_AdditionalPaidInCapitalMember" unitRef="Unit1" decimals="-3">77000</us-gaap:ShareBasedCompensation>
  <us-gaap:ShareBasedCompensation contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="-3">51000</us-gaap:ShareBasedCompensation>
  <us-gaap:ShareBasedCompensation contextRef="Duration_1_1_2010_To_12_31_2010_us-gaap_StatementEquityComponentsAxis_us-gaap_AdditionalPaidInCapitalMember" unitRef="Unit1" decimals="-3">51000</us-gaap:ShareBasedCompensation>
  <us-gaap:ShareBasedCompensation contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="-3">35000</us-gaap:ShareBasedCompensation>
  <us-gaap:ShareBasedCompensation contextRef="Duration_1_1_2011_To_12_31_2011_us-gaap_StatementEquityComponentsAxis_us-gaap_AdditionalPaidInCapitalMember" unitRef="Unit1" decimals="-3">35000</us-gaap:ShareBasedCompensation>
  <us-gaap:ShortTermBorrowings contextRef="As_Of_12_31_2010" unitRef="Unit1" decimals="-3">41855000</us-gaap:ShortTermBorrowings>
  <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="As_Of_12_31_2008" unitRef="Unit1" decimals="-3">81713000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
  <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="As_Of_12_31_2008_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedOtherComprehensiveIncomeMember" unitRef="Unit1" decimals="-3">-8912000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
  <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="As_Of_12_31_2008_us-gaap_StatementEquityComponentsAxis_us-gaap_AdditionalPaidInCapitalMember" unitRef="Unit1" decimals="-3">5204000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
  <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="As_Of_12_31_2008_us-gaap_StatementEquityComponentsAxis_us-gaap_CommonStockMember" unitRef="Unit1" decimals="-3">86908000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
  <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="As_Of_12_31_2008_us-gaap_StatementEquityComponentsAxis_us-gaap_PreferredStockMember" unitRef="Unit1" decimals="-3">0</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
  <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="As_Of_12_31_2008_us-gaap_StatementEquityComponentsAxis_us-gaap_RetainedEarningsMember" unitRef="Unit1" decimals="-3">16309000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
  <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="As_Of_12_31_2008_us-gaap_StatementEquityComponentsAxis_us-gaap_TreasuryStockMember" unitRef="Unit1" decimals="-3">-17796000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
  <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="As_Of_12_31_2009" unitRef="Unit1" decimals="-3">101749000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
  <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="As_Of_12_31_2009_us-gaap_StatementEquityComponentsAxis_us-gaap_AccumulatedOtherComprehensiveIncomeMember" unitRef="Unit1" decimals="-3">-10776000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
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  <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="As_Of_12_31_2011" unitRef="Unit1" decimals="-3">135916000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
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  <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="As_Of_12_31_2011_us-gaap_StatementEquityComponentsAxis_us-gaap_CommonStockMember" unitRef="Unit1" decimals="-3">110056000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
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  <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="As_Of_12_31_2011_us-gaap_StatementEquityComponentsAxis_us-gaap_RetainedEarningsMember" unitRef="Unit1" decimals="-3">32695000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
  <us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest contextRef="As_Of_12_31_2011_us-gaap_StatementEquityComponentsAxis_us-gaap_TreasuryStockMember" unitRef="Unit1" decimals="-3">-17354000</us-gaap:StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest>
  <us-gaap:StockholdersEquityNoteDisclosureTextBlock contextRef="Duration_1_1_2011_To_12_31_2011">&lt;div&gt; &lt;div style="min-width: 708px; text-align: center;"&gt;

&lt;h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;"&gt;Note 13&amp;nbsp;&amp;#8212;&amp;nbsp;Stockholders' Equity and Regulatory Requirements &lt;/h2&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;On January 12, 2009, the Corporation issued $10 million in nonvoting senior preferred stock to the U.S. Department of Treasury under the Capital Purchase Program. As part of the transaction, the Corporation also issued warrants to the U.S. Treasury to purchase 173,410 shares of common stock of the Corporation at an exercise price of $8.65 per share. As previously announced, the Corporation's voluntary participation in the Capital Purchase Program amounted to approximately 50 percent of what the Corporation had qualified for under the U.S. Treasury program. The Corporation believed that its participation in this program would strengthen its current well-capitalized position. The funding was used to support future loan growth. As a result of the successful completion of the rights offering in October 2009, the number of shares underlying the warrants held by the U.S. Treasury was reduced to 86,705 shares, or 50 percent of the original 173,410 shares as outlined by the provisions of the Capital Purchase Program. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;On September 15, 2011, the Corporation issued $11.25 million in nonvoting senior preferred stock to the Treasury under the Small Business Lending Fund Program ("SBLF Program"). Under the Securities Purchase Agreement, the Corporation issued to the Treasury a total of 11,250 shares of the Corporation's Senior Non-Cumulative Perpetual Preferred Stock, Series B, having a liquidation value of $1,000 per share. Simultaneously, using the proceeds from the issuance of the SBLF Preferred Stock, the Corporation redeemed from the Treasury, all 10,000 outstanding shares of its Fixed Rate Cumulative Perpetual Preferred Stock, Series A, liquidation amount $1,000 per share, for a redemption price of $10,041,667, including accrued but unpaid dividends up to the date of redemption. The investment in the SBLF program provides the Corporation with approximately $1.25 million additional Tier 1 capital. The capital received under the program will allow the Corporation to continue to serve its small business clients through the commercial lending program. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;On December 7, 2011, the Corporation repurchased the warrants issued on January 12, 2009 to the U.S. Treasury as part of its participation in the U.S. Treasury's TARP Capital Purchase Program. In the repurchase, the Corporation paid the U.S. Treasury $245,000 for the warrants. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Federal Deposit Insurance Corporation ("FDIC") and the Board of Governors of the Federal Reserve System ("FRB") regulations require banks to maintain minimum levels of regulatory capital. Under the regulations in effect at December 31, 2011, the Bank was required to maintain (i) a minimum leverage ratio of Tier I capital to total adjusted assets of 4.00 percent, and (ii) minimum ratios of Tier I and total capital to risk-weighted assets of 4.00 percent and 8.00 percent, respectively. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;Under its prompt corrective action regulations, the regulators are required to take certain supervisory actions with respect to an undercapitalized institution. Such actions could have a direct material effect on the institution's financial statements. The regulations establish a framework for the classification of financial institutions into five categories: well capitalized, adequately capitalized, undercapitalized, significantly undercapitalized and critically undercapitalized. Generally, an institution is considered well capitalized if it has a leverage (Tier I) capital ratio of at least 5.00 percent; a Tier I risk-based capital ratio of at least 6.00 percent; and a total risk-based capital ratio of at least 10.00 percent. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The foregoing capital ratios are based in part on specific quantitative measures of assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices. Capital amounts and classifications are also subject to qualitative judgments by the regulators about capital components, risk weightings and other factors. The Comptroller of the Currency ("OCC") has established higher minimum capital ratios for the Bank effective as of December 31, 2009: Tier 1 Risk-Based Capital of 10.0 percent, Total Risk-Based Capital of 12.0 percent and Tier 1 Leverage Capital of 8.0 percent. Similar categories apply to bank holding companies. At December 31, 2011, the Bank's capital ratios were all above the minimum levels required. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;At December 31, 2011, management believes that the Bank and the Parent Corporation met all capital adequacy requirements to which they are subject. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The following is a summary of the Bank's and the Parent Corporation's actual capital amounts and ratios as of December 31, 2011 and 2010, compared to the FRB and FDIC minimum capital adequacy requirements and the FRB and FDIC requirements for classification as a well-capitalized institution. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="608"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7"&gt;Union Center&lt;br /&gt;National Bank&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7"&gt;Minimum&lt;br /&gt;Capital Adequacy&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7"&gt;For Classification&lt;br /&gt;Under Corrective&lt;br /&gt;Action Plan&lt;br /&gt;as Well Capitalized&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Amount&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Ratio&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Amount&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Ratio&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Amount&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Ratio&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="23"&gt;&lt;font style="font-weight: normal;" class="_mt"&gt;(Dollars in Thousands)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;December 31, 2011 Leverage (Tier 1) capital&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;127,473&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;9.15&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;55,726&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;4.00&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;69,657&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;5.00&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;"&gt;Risk-Based Capital:&lt;br /&gt;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Tier 1&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;127,473&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;11.81&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;43,175&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;4.00&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;64,762&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;6.00&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Total&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;137,075&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;12.70&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;86,346&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;8.00&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;107,933&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;10.00&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;December 31, 2010 Leverage (Tier 1) capital&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;112,601&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;9.56&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;48,088&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;4.00&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;59,262&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;5.00&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;"&gt;Risk-Based Capital:&lt;br /&gt;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Tier 1&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;112,601&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;12.83&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;35,116&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;4.00&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;52,674&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;6.00&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Total&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;121,468&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;13.84&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;70,232&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;8.00&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;87,790&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;10.00&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="608"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt; &lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7"&gt;Parent Corporation&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7"&gt;Minimum Capital&lt;br /&gt;Adequacy&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7"&gt;For Classification&lt;br /&gt;as Well Capitalized&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Amount&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Ratio&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Amount&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Ratio&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Amount&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Ratio&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="23"&gt;&lt;font style="font-weight: normal;" class="_mt"&gt;(Dollars in Thousands)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;December 31, 2011 Leverage (Tier 1) capital&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;129,437&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;9.29&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;55,732&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;4.00&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;69,665&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;5.00&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;"&gt;Risk-Based Capital:&lt;br /&gt;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Tier 1&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;129,437&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;12.00&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;43,146&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;4.00&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;64,719&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;6.00&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Total&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;139,039&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;12.89&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;86,293&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;8.00&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;N/A&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;N/A&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;December 31, 2010 Leverage (Tier 1) capital&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;116,600&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;9.90&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;48,098&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;4.00&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;59,275&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;5.00&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;"&gt;Risk-Based Capital:&lt;br /&gt;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;&amp;nbsp;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: #ccffcc;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Tier 1&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;116,600&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;13.28&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;35,124&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;4.00&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;52,686&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;6.00&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-bottom;"&gt;Total&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;125,467&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;14.29&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;70,248&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;8.00&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;%&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;N/A&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;N/A&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The Corporation issued $5.2 million of subordinated debentures in 2003. These securities are included as a component of Tier 1 Capital for regulatory purposes. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;On March 1, 2005, the Federal Reserve adopted a final rule that allows the continued inclusion of outstanding and prospective issuances of trust preferred securities in the Tier I Capital of bank holding companies, subject to stricter quantitative limits and qualitative standards. The new quantitative limits became effective after a five-year transition period ended March 31, 2009. Under the final rules, trust preferred securities and other restricted core capital elements are limited to 25% of all core capital elements. Amounts of restricted core capital elements in excess of these limits may be included in Tier II Capital. Based on a review of the final rule, the Corporation believes that its trust preferred issues qualify as Tier I Capital. However, in the event that the trust preferred issues do not qualify as Tier I Capital, the Corporation would remain well-capitalized. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The Dodd-Frank Act includes certain provisions, often referred to as the "Collins Amendment," concerning the capital requirements of the United States banking regulators. These provisions are intended to subject bank holding companies to the same capital requirements as their bank subsidiaries and to eliminate or significantly reduce the use of hybrid capital instruments, especially trust preferred securities, as regulatory capital. Under the Collins Amendment, trust preferred securities issued by a company, such as Union Center National Bank, with total consolidated assets of less than $15 billion before May 19, 2010 and treated as regulatory capital are grandfathered, but any such securities issued later are not eligible as regulatory capital. The banking regulators must develop regulations setting minimum risk-based and leverage capital requirements for holding companies and banks on a consolidated basis that are no less stringent than the generally applicable requirements in effect for depository institutions under the prompt corrective action regulations. The banking regulators also must seek to make capital standards countercyclical so that the required levels of capital increase in times of economic expansion and decrease in times of economic contraction. The Dodd-Frank Act requires these new capital regulations to be adopted by the Federal Reserve in final form 18 months after the date of enactment of the Dodd-Frank Act (July 21, 2010). &lt;/p&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:StockholdersEquityNoteDisclosureTextBlock>
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  <us-gaap:SubordinatedBorrowingsDisclosureTextBlock contextRef="Duration_1_1_2011_To_12_31_2011">&lt;div&gt; &lt;div style="min-width: 708px; text-align: center;"&gt;

&lt;h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;"&gt;Note 10&amp;nbsp;&amp;#8212;&amp;nbsp;Subordinated Debentures: &lt;/h2&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;During 2003, the Corporation formed a statutory business trust, which exists for the exclusive purpose of (i) issuing Trust Securities representing undivided beneficial interests in the assets of the Trust; (ii) investing the gross proceeds of the Trust securities in junior subordinated deferrable interest debentures (subordinated debentures) of the Corporation; and (iii) engaging in only those activities necessary or incidental thereto. These subordinated debentures and the related income effects are not eliminated in the consolidated financial statements as the statutory business trust is not consolidated in accordance with FASB ASC 810-10. Distributions on the subordinated debentures owned by the subsidiary trust have been classified as interest expense in the Consolidated Statements of Income. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt;The following table summarizes the mandatory redeemable trust preferred securities of the Corporation's Statutory Trust II at December 31, 2011. &lt;/p&gt;

&lt;p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"&gt; &lt;/p&gt;

&lt;div style="text-align: center;"&gt;

&lt;table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="608"&gt;
&lt;tr&gt;&lt;td&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;
&lt;td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td colspan="3"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="border-bottom: black 1pt solid; text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"&gt;Issuance Date&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Securities&lt;br /&gt;Issued&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Liquidation Value&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Coupon Rate&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Maturity&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3"&gt;Redeemable by&lt;br /&gt;Issuer Beginning&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="background-color: white;"&gt;&lt;td style="padding-left: 10pt; vertical-align: text-top;"&gt;12/19/03&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;5,000,000&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;$&lt;/td&gt;
&lt;td style="text-align: center; vertical-align: text-bottom;"&gt;1,000 per&lt;br /&gt;Capital&lt;br /&gt;Security&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; vertical-align: text-bottom;"&gt;Floating&lt;br /&gt;3-month&lt;br /&gt;LIBOR + 285&lt;br /&gt;Basis Points&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;01/23/2034&lt;/td&gt;
&lt;td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: center; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: left; width: 6px; vertical-align: text-bottom;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-align: right; vertical-align: text-bottom;"&gt;01/23/2009&lt;/td&gt;
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.centerbancorp.com/role/DisclosureGoodwillAndOtherIntangibleAssets" id="DisclosureGoodwillAndOtherIntangibleAssets">
        <link:definition>10701 - Disclosure - Goodwill and Other Intangible Assets</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.centerbancorp.com/role/DisclosureDeposits" id="DisclosureDeposits">
        <link:definition>10801 - Disclosure - Deposits</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://www.centerbancorp.com/role/DisclosureBorrowedFunds" id="DisclosureBorrowedFunds">
        <link:definition>10901 - Disclosure - Borrowed Funds:</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://www.centerbancorp.com/role/DisclosureSubordinatedDebentures" id="DisclosureSubordinatedDebentures">
        <link:definition>11001 - Disclosure - Subordinated Debentures:</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.centerbancorp.com/role/DisclosureIncomeTaxes" id="DisclosureIncomeTaxes">
        <link:definition>11101 - Disclosure - Income Taxes</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://www.centerbancorp.com/role/DisclosureCommitementsContingenciesAndConcentrationsOfCreditRisk" id="DisclosureCommitementsContingenciesAndConcentrationsOfCreditRisk">
        <link:definition>11201 - Disclosure - Commitements, Contingencies and Concentrations of Credit Risk</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://www.centerbancorp.com/role/DisclosureStockholdersEquityAndRegulatoryRequirements" id="DisclosureStockholdersEquityAndRegulatoryRequirements">
        <link:definition>11301 - Disclosure - Stockholders' Equity and Regulatory Requirements</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://www.centerbancorp.com/role/DisclosureComprehensiveIncome" id="DisclosureComprehensiveIncome">
        <link:definition>11401 - Disclosure - Comprehensive Income</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://www.centerbancorp.com/role/DisclosurePensionAndOtherBenefits" id="DisclosurePensionAndOtherBenefits">
        <link:definition>11501 - Disclosure - Pension and Other Benefits</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.centerbancorp.com/role/DisclosureStockBasedCompensation" id="DisclosureStockBasedCompensation">
        <link:definition>11601 - Disclosure - Stock Based Compensation</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.centerbancorp.com/role/DisclosureDividendsAndOtherRestrictions" id="DisclosureDividendsAndOtherRestrictions">
        <link:definition>11701 - Disclosure - Dividends and Other Restrictions</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://www.centerbancorp.com/role/DisclosureFairValueMeasurementsAndFairValueOfFinancialInstruments" id="DisclosureFairValueMeasurementsAndFairValueOfFinancialInstruments">
        <link:definition>11801 - Disclosure - Fair Value Measurements and Fair Value of Financial Instruments</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.centerbancorp.com/role/DisclosureParentCorporationOnlyFinancialStatements" id="DisclosureParentCorporationOnlyFinancialStatements">
        <link:definition>11901 - Disclosure - Parent Corporation Only Financial Statements</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://www.centerbancorp.com/role/DisclosureQuarterlyFinancialInformationOfCenterBancorpIncUnaudited" id="DisclosureQuarterlyFinancialInformationOfCenterBancorpIncUnaudited">
        <link:definition>12001 - Disclosure - Quarterly Financial Information of Center Bancorp, Inc. (Unaudited)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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  <import namespace="http://xbrl.sec.gov/dei/2011-01-31" schemaLocation="http://xbrl.sec.gov/dei/2011/dei-2011-01-31.xsd" />
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</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.CAL
<SEQUENCE>22
<FILENAME>cnbc-20111231_cal.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION CALCULATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
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<!--Created on: 3/13/2012 9:16:46 AM-->
<!--Modified on: 3/13/2012 9:16:46 AM-->
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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>24
<FILENAME>cnbc-20111231_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_LoansAndLeasesReceivableAllowance_lbl" xml:lang="en-US">Loans and Leases Receivable, Allowance, Beginning Balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LoansAndLeasesReceivableAllowance_lbl" xml:lang="en-US">Less: Allowance for loan losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_LoansAndLeasesReceivableAllowance_lbl" xml:lang="en-US">Loans and Leases Receivable, Allowance, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmount" xlink:label="us-gaap_LoansAndLeasesReceivableNetReportedAmount" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansAndLeasesReceivableNetReportedAmount" xlink:to="us-gaap_LoansAndLeasesReceivableNetReportedAmount_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LoansAndLeasesReceivableNetReportedAmount_lbl" xml:lang="en-US">Loans and Leases Receivable, Net Reported Amount</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LoansAndLeasesReceivableNetReportedAmount_lbl" xml:lang="en-US">Net loans</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_LoansAndLeasesReceivableNetReportedAmount_lbl" xml:lang="en-US">Net loans</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_RestrictedInvestments" xlink:label="us-gaap_RestrictedInvestments" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RestrictedInvestments" xlink:to="us-gaap_RestrictedInvestments_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_RestrictedInvestments_lbl" xml:lang="en-US">Restricted Investments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_RestrictedInvestments_lbl" xml:lang="en-US">Restricted investment in bank stocks, at cost</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_PropertyPlantAndEquipmentNet" xlink:label="us-gaap_PropertyPlantAndEquipmentNet" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentNet" xlink:to="us-gaap_PropertyPlantAndEquipmentNet_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PropertyPlantAndEquipmentNet_lbl" xml:lang="en-US">Property, Plant and Equipment, Net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="us-gaap_PropertyPlantAndEquipmentNet_lbl" xml:lang="en-US">Property, Plant and Equipment, Net, Ending Balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_PropertyPlantAndEquipmentNet_lbl" xml:lang="en-US">Property, Plant and Equipment, Net, Beginning Balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PropertyPlantAndEquipmentNet_lbl" xml:lang="en-US">Premises and equipment, net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_PropertyPlantAndEquipmentNet_lbl" xml:lang="en-US">Property, Plant and Equipment, Net, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InterestReceivable" xlink:label="us-gaap_InterestReceivable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestReceivable" xlink:to="us-gaap_InterestReceivable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestReceivable_lbl" xml:lang="en-US">Accrued Investment Income Receivable</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InterestReceivable_lbl" xml:lang="en-US">Accrued interest receivable</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_InterestReceivable_lbl" xml:lang="en-US">Accrued Investment Income Receivable, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_BankOwnedLifeInsurance" xlink:label="us-gaap_BankOwnedLifeInsurance" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_BankOwnedLifeInsurance" xlink:to="us-gaap_BankOwnedLifeInsurance_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_BankOwnedLifeInsurance_lbl" xml:lang="en-US">Bank Owned Life Insurance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_BankOwnedLifeInsurance_lbl" xml:lang="en-US">Bank owned life insurance</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_Goodwill" xlink:label="us-gaap_Goodwill" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_Goodwill" xlink:to="us-gaap_Goodwill_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_Goodwill_lbl" xml:lang="en-US">Goodwill</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="us-gaap_Goodwill_lbl" xml:lang="en-US">Goodwill, Ending Balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_Goodwill_lbl" xml:lang="en-US">Goodwill, Beginning Balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_Goodwill_lbl" xml:lang="en-US">Goodwill and other intangible assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_Goodwill_lbl" xml:lang="en-US">Goodwill, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_PrepaidInsurance" xlink:label="us-gaap_PrepaidInsurance" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PrepaidInsurance" xlink:to="us-gaap_PrepaidInsurance_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PrepaidInsurance_lbl" xml:lang="en-US">Prepaid Insurance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PrepaidInsurance_lbl" xml:lang="en-US">Prepaid FDIC assesment</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_OtherRealEstate" xlink:label="us-gaap_OtherRealEstate" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherRealEstate" xlink:to="us-gaap_OtherRealEstate_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherRealEstate_lbl" xml:lang="en-US">Other Real Estate</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_OtherRealEstate_lbl" xml:lang="en-US">Other real estate owned</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_OtherAssets" xlink:label="us-gaap_OtherAssets" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherAssets" xlink:to="us-gaap_OtherAssets_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherAssets_lbl" xml:lang="en-US">Other Assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_OtherAssets_lbl" xml:lang="en-US">Other assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_OtherAssets_lbl" xml:lang="en-US">Other Assets, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_Assets" xlink:label="us-gaap_Assets" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_Assets" xlink:to="us-gaap_Assets_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_Assets_lbl" xml:lang="en-US">Assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_Assets_lbl" xml:lang="en-US">Total assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_LiabilitiesAbstract" xlink:label="us-gaap_LiabilitiesAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilitiesAbstract" xlink:to="us-gaap_LiabilitiesAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LiabilitiesAbstract_lbl" xml:lang="en-US">Liabilities [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LiabilitiesAbstract_lbl" xml:lang="en-US">LIABILITIES AND STOCKHOLDERS' EQUITY</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_NoninterestBearingDepositLiabilitiesDomestic" xlink:label="us-gaap_NoninterestBearingDepositLiabilitiesDomestic" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NoninterestBearingDepositLiabilitiesDomestic" xlink:to="us-gaap_NoninterestBearingDepositLiabilitiesDomestic_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NoninterestBearingDepositLiabilitiesDomestic_lbl" xml:lang="en-US">Noninterest-bearing Deposit Liabilities, Domestic</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_NoninterestBearingDepositLiabilitiesDomestic_lbl" xml:lang="en-US">Deposits: Non-interest-bearing</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_NoninterestBearingDepositLiabilitiesDomestic_lbl" xml:lang="en-US">Noninterest-bearing Deposit Liabilities, Domestic, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_TimeDeposits100000OrMore" xlink:label="us-gaap_TimeDeposits100000OrMore" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TimeDeposits100000OrMore" xlink:to="us-gaap_TimeDeposits100000OrMore_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TimeDeposits100000OrMore_lbl" xml:lang="en-US">Time Deposits, $100,000 or More</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TimeDeposits100000OrMore_lbl" xml:lang="en-US">Deposits: Interest-bearing: Time deposits $100 and over</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_TimeDeposits100000OrMore_lbl" xml:lang="en-US">Time Deposits, $100,000 or More, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_TimeDepositsLessThan100000" xlink:label="us-gaap_TimeDepositsLessThan100000" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TimeDepositsLessThan100000" xlink:to="us-gaap_TimeDepositsLessThan100000_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TimeDepositsLessThan100000_lbl" xml:lang="en-US">Time Deposits, Less than $100,000</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TimeDepositsLessThan100000_lbl" xml:lang="en-US">Deposits: Interest-bearing: Interest-bearing transaction, savings and time deposits less than $100</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_Deposits" xlink:label="us-gaap_Deposits" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_Deposits" xlink:to="us-gaap_Deposits_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_Deposits_lbl" xml:lang="en-US">Deposits</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_Deposits_lbl" xml:lang="en-US">Total deposits</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ShortTermBorrowings" xlink:label="us-gaap_ShortTermBorrowings" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShortTermBorrowings" xlink:to="us-gaap_ShortTermBorrowings_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShortTermBorrowings_lbl" xml:lang="en-US">Short-term Borrowings</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ShortTermBorrowings_lbl" xml:lang="en-US">Short-term borrowings</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_ShortTermBorrowings_lbl" xml:lang="en-US">Short-term Borrowings, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesLongTerm" xlink:label="us-gaap_FederalHomeLoanBankAdvancesLongTerm" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FederalHomeLoanBankAdvancesLongTerm" xlink:to="us-gaap_FederalHomeLoanBankAdvancesLongTerm_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FederalHomeLoanBankAdvancesLongTerm_lbl" xml:lang="en-US">Long-term Federal Home Loan Bank Advances</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FederalHomeLoanBankAdvancesLongTerm_lbl" xml:lang="en-US">Long-term borrowings</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_FederalHomeLoanBankAdvancesLongTerm_lbl" xml:lang="en-US">Long-term Federal Home Loan Bank Advances, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_SubordinatedDebt" xlink:label="us-gaap_SubordinatedDebt" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SubordinatedDebt" xlink:to="us-gaap_SubordinatedDebt_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_SubordinatedDebt_lbl" xml:lang="en-US">Subordinated Debt</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="us-gaap_SubordinatedDebt_lbl" xml:lang="en-US">Subordinated Debt, Ending Balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_SubordinatedDebt_lbl" xml:lang="en-US">Subordinated Debt, Beginning Balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_SubordinatedDebt_lbl" xml:lang="en-US">Subordinated debentures</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_SubordinatedDebt_lbl" xml:lang="en-US">Subordinated Debt, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent" xlink:label="us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent" xlink:to="us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent_lbl" xml:lang="en-US">Accounts payable and accrued liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent_lbl" xml:lang="en-US">Accounts payable and accrued liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent_lbl" xml:lang="en-US">Accounts Payable and Accrued Liabilities, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_Liabilities" xlink:label="us-gaap_Liabilities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_Liabilities" xlink:to="us-gaap_Liabilities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_Liabilities_lbl" xml:lang="en-US">Liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_Liabilities_lbl" xml:lang="en-US">Total liabilities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract" xlink:label="us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract" xlink:to="us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract_lbl" xml:lang="en-US">Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract_lbl" xml:lang="en-US">Stockholders' Equity</label>
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InterestIncomeSecuritiesTaxExempt" xlink:label="us-gaap_InterestIncomeSecuritiesTaxExempt" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestIncomeSecuritiesTaxExempt" xlink:to="us-gaap_InterestIncomeSecuritiesTaxExempt_lbl" />
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DividendIncomeOperating" xlink:to="us-gaap_DividendIncomeOperating_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DividendIncomeOperating_lbl" xml:lang="en-US">Dividend Income, Operating</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DividendIncomeOperating_lbl" xml:lang="en-US">Dividends</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InterestAndDividendIncomeOperating" xlink:label="us-gaap_InterestAndDividendIncomeOperating" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestAndDividendIncomeOperating" xlink:to="us-gaap_InterestAndDividendIncomeOperating_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestAndDividendIncomeOperating_lbl" xml:lang="en-US">Interest and Dividend Income, Operating</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_InterestAndDividendIncomeOperating_lbl" xml:lang="en-US">Total interest income</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InterestExpenseAbstract" xlink:label="us-gaap_InterestExpenseAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestExpenseAbstract" xlink:to="us-gaap_InterestExpenseAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestExpenseAbstract_lbl" xml:lang="en-US">Interest expense [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InterestExpenseAbstract_lbl" xml:lang="en-US">Interest expense:</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InterestExpenseTimeDeposits100000OrMore" xlink:label="us-gaap_InterestExpenseTimeDeposits100000OrMore" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestExpenseTimeDeposits100000OrMore" xlink:to="us-gaap_InterestExpenseTimeDeposits100000OrMore_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestExpenseTimeDeposits100000OrMore_lbl" xml:lang="en-US">Interest Expense, Time Deposits, $100,000 or More</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InterestExpenseTimeDeposits100000OrMore_lbl" xml:lang="en-US">Interest on certificates of deposit $100 &amp; over</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InterestExpenseOtherDomesticDeposits" xlink:label="us-gaap_InterestExpenseOtherDomesticDeposits" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestExpenseOtherDomesticDeposits" xlink:to="us-gaap_InterestExpenseOtherDomesticDeposits_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestExpenseOtherDomesticDeposits_lbl" xml:lang="en-US">Interest Expense, Other Domestic Deposits</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InterestExpenseOtherDomesticDeposits_lbl" xml:lang="en-US">Interest on other deposits</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InterestExpenseShortTermBorrowings" xlink:label="us-gaap_InterestExpenseShortTermBorrowings" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestExpenseShortTermBorrowings" xlink:to="us-gaap_InterestExpenseShortTermBorrowings_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestExpenseShortTermBorrowings_lbl" xml:lang="en-US">Interest Expense, Short-term Borrowings</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_InterestExpenseShortTermBorrowings_lbl" xml:lang="en-US">Interest Expense, Short-term Borrowings, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InterestExpenseLongTermDebt" xlink:label="us-gaap_InterestExpenseLongTermDebt" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestExpenseLongTermDebt" xlink:to="us-gaap_InterestExpenseLongTermDebt_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestExpenseLongTermDebt_lbl" xml:lang="en-US">Interest Expense, Long-term Debt</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InterestExpenseLongTermDebt_lbl" xml:lang="en-US">Interest on long-term borrowings</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_InterestExpenseLongTermDebt_lbl" xml:lang="en-US">Interest Expense, Long-term Debt, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InterestExpense" xlink:label="us-gaap_InterestExpense" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestExpense" xlink:to="us-gaap_InterestExpense_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestExpense_lbl" xml:lang="en-US">Interest Expense</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_InterestExpense_lbl" xml:lang="en-US">Total interest expense</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InterestIncomeExpenseNet" xlink:label="us-gaap_InterestIncomeExpenseNet" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestIncomeExpenseNet" xlink:to="us-gaap_InterestIncomeExpenseNet_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestIncomeExpenseNet_lbl" xml:lang="en-US">Interest Income (Expense), Net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InterestIncomeExpenseNet_lbl" xml:lang="en-US">Net interest income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_InterestIncomeExpenseNet_lbl" xml:lang="en-US">Net interest income</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ProvisionForLoanAndLeaseLosses" xlink:label="us-gaap_ProvisionForLoanAndLeaseLosses" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProvisionForLoanAndLeaseLosses" xlink:to="us-gaap_ProvisionForLoanAndLeaseLosses_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProvisionForLoanAndLeaseLosses_lbl" xml:lang="en-US">Provision for Loan and Lease Losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_ProvisionForLoanAndLeaseLosses_lbl" xml:lang="en-US">Provision for loan losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ProvisionForLoanAndLeaseLosses_lbl" xml:lang="en-US">Provision for loan losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_ProvisionForLoanAndLeaseLosses_lbl" xml:lang="en-US">Provision for Loan and Lease Losses, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:label="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_lbl" xml:lang="en-US">Interest Income (Expense), after Provision for Loan Loss</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_lbl" xml:lang="en-US">Net interest income after provision for loan losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_lbl" xml:lang="en-US">Net interest income, after provision for loan losses</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_NoninterestIncomeAbstract" xlink:label="us-gaap_NoninterestIncomeAbstract" />
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FeesAndCommissions" xlink:to="us-gaap_FeesAndCommissions_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FeesAndCommissions_lbl" xml:lang="en-US">Fees and Commissions</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FeesAndCommissions_lbl" xml:lang="en-US">Service charges, commissions and fees</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_FeesAndCommissions_lbl" xml:lang="en-US">Fees and Commissions, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InsuranceCommissionsAndFees" xlink:label="us-gaap_InsuranceCommissionsAndFees" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InsuranceCommissionsAndFees" xlink:to="us-gaap_InsuranceCommissionsAndFees_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InsuranceCommissionsAndFees_lbl" xml:lang="en-US">Insurance Commissions and Fees</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InsuranceCommissionsAndFees_lbl" xml:lang="en-US">Annuity and insurance</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_BankOwnedLifeInsuranceIncome" xlink:label="us-gaap_BankOwnedLifeInsuranceIncome" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_BankOwnedLifeInsuranceIncome" xlink:to="us-gaap_BankOwnedLifeInsuranceIncome_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_BankOwnedLifeInsuranceIncome_lbl" xml:lang="en-US">Bank Owned Life Insurance Income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_BankOwnedLifeInsuranceIncome_lbl" xml:lang="en-US">Increase in cash surrender value of bank-owned life insurance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_BankOwnedLifeInsuranceIncome_lbl" xml:lang="en-US">Bank-owned life insurance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_BankOwnedLifeInsuranceIncome_lbl" xml:lang="en-US">Increase in cash surrender value of bank-owned life insurance</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_NoninterestIncomeOtherOperatingIncome" xlink:label="us-gaap_NoninterestIncomeOtherOperatingIncome" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NoninterestIncomeOtherOperatingIncome_lbl" xml:lang="en-US">Noninterest Income, Other Operating Income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_NoninterestIncomeOtherOperatingIncome_lbl" xml:lang="en-US">Other</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_NoninterestIncomeOtherOperatingIncome_lbl" xml:lang="en-US">Total other income</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionInOtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent_lbl" xml:lang="en-US">Portion of losses recognized in other comprehensive income, before taxes</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:label="us-gaap_MarketableSecuritiesRealizedGainLossOtherThanTemporaryImpairmentsAmount_lbl" xml:lang="en-US">Net other-than-temporary impairment losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_MarketableSecuritiesRealizedGainLossOtherThanTemporaryImpairmentsAmount_lbl" xml:lang="en-US">Net other-than-temporary impairment losses</label>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_MarketableSecuritiesRealizedGainLoss" xlink:to="us-gaap_MarketableSecuritiesRealizedGainLoss_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_MarketableSecuritiesRealizedGainLoss_lbl" xml:lang="en-US">Marketable Securities, Realized Gain (Loss)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_MarketableSecuritiesRealizedGainLoss_lbl" xml:lang="en-US">Net gains on sales of available-for-sale securities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_MarketableSecuritiesRealizedGainLoss_lbl" xml:lang="en-US">Net gains on sale of investment securities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_MarketableSecuritiesRealizedGainLoss_lbl" xml:lang="en-US">Marketable Securities, Realized Gain (Loss), Total</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_MarketableSecuritiesRealizedGainLoss_lbl" xml:lang="en-US">Gains on sales of investment securities, net</label>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GainLossOnSaleOfSecuritiesNet" xlink:to="us-gaap_GainLossOnSaleOfSecuritiesNet_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_GainLossOnSaleOfSecuritiesNet_lbl" xml:lang="en-US">Gain (Loss) on Sale of Securities, Net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:label="us-gaap_GainLossOnSaleOfSecuritiesNet_lbl" xml:lang="en-US">Net investment securities gain (losses)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_GainLossOnSaleOfSecuritiesNet_lbl" xml:lang="en-US">Net investment securities gains (losses)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_GainLossOnSaleOfSecuritiesNet_lbl" xml:lang="en-US">Net investment securities gains (losses)</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_NoninterestIncome" xlink:label="us-gaap_NoninterestIncome" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NoninterestIncome" xlink:to="us-gaap_NoninterestIncome_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NoninterestIncome_lbl" xml:lang="en-US">Noninterest Income</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_NoninterestIncome_lbl" xml:lang="en-US">Total other income</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_NoninterestExpenseAbstract" xlink:label="us-gaap_NoninterestExpenseAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NoninterestExpenseAbstract" xlink:to="us-gaap_NoninterestExpenseAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NoninterestExpenseAbstract_lbl" xml:lang="en-US">Other expense:</label>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LaborAndRelatedExpense" xlink:to="us-gaap_LaborAndRelatedExpense_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LaborAndRelatedExpense_lbl" xml:lang="en-US">Salaries and Wages</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LaborAndRelatedExpense_lbl" xml:lang="en-US">Salaries and employee benefits</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_LaborAndRelatedExpense_lbl" xml:lang="en-US">Labor and Related Expense, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_OccupancyNet" xlink:label="us-gaap_OccupancyNet" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OccupancyNet" xlink:to="us-gaap_OccupancyNet_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OccupancyNet_lbl" xml:lang="en-US">Occupancy, Net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_OccupancyNet_lbl" xml:lang="en-US">Occupancy, net</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_EquipmentExpense" xlink:label="us-gaap_EquipmentExpense" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EquipmentExpense" xlink:to="us-gaap_EquipmentExpense_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_EquipmentExpense_lbl" xml:lang="en-US">Equipment Expense</label>
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FederalDepositInsuranceCorporationPremiumExpense" xlink:label="us-gaap_FederalDepositInsuranceCorporationPremiumExpense" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FederalDepositInsuranceCorporationPremiumExpense" xlink:to="us-gaap_FederalDepositInsuranceCorporationPremiumExpense_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FederalDepositInsuranceCorporationPremiumExpense_lbl" xml:lang="en-US">Policyholder Benefits and Claims Incurred, Net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FederalDepositInsuranceCorporationPremiumExpense_lbl" xml:lang="en-US">FDIC Insurance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_FederalDepositInsuranceCorporationPremiumExpense_lbl" xml:lang="en-US">Policyholder Benefits and Claims Incurred, Net, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ProfessionalFees" xlink:label="us-gaap_ProfessionalFees" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProfessionalFees" xlink:to="us-gaap_ProfessionalFees_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProfessionalFees_lbl" xml:lang="en-US">Professional Fees</label>
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_SuppliesExpense" xlink:label="us-gaap_SuppliesExpense" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SuppliesExpense" xlink:to="us-gaap_SuppliesExpense_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_SuppliesExpense_lbl" xml:lang="en-US">Supplies Expense</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_SuppliesExpense_lbl" xml:lang="en-US">Stationery and printing</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_MarketingExpense" xlink:label="us-gaap_MarketingExpense" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_MarketingExpense" xlink:to="us-gaap_MarketingExpense_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_MarketingExpense_lbl" xml:lang="en-US">Marketing Expense</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_MarketingExpense_lbl" xml:lang="en-US">Marketing and advertising</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InformationTechnologyAndDataProcessing" xlink:label="us-gaap_InformationTechnologyAndDataProcessing" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InformationTechnologyAndDataProcessing" xlink:to="us-gaap_InformationTechnologyAndDataProcessing_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InformationTechnologyAndDataProcessing_lbl" xml:lang="en-US">Information Technology and Data Processing</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InformationTechnologyAndDataProcessing_lbl" xml:lang="en-US">Computer expense</label>
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_GainLossOnDispositionOfProperty" xlink:label="us-gaap_GainLossOnDispositionOfProperty" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_GainLossOnDispositionOfProperty_lbl" xml:lang="en-US">Gain (Loss) on Disposition of Property</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_GainLossOnDispositionOfProperty_lbl" xml:lang="en-US">Loss on fixed assets, net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_GainLossOnDispositionOfProperty_lbl" xml:lang="en-US">Loss on fixed assets, net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_GainLossOnDispositionOfProperty_lbl" xml:lang="en-US">Gain (Loss) on Disposition of Property, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_OtherNonrecurringExpense" xlink:label="us-gaap_OtherNonrecurringExpense" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherNonrecurringExpense" xlink:to="us-gaap_OtherNonrecurringExpense_lbl" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_OtherNonrecurringExpense_lbl" xml:lang="en-US">Repurchase agreement termination fee</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_OtherNoninterestExpense" xlink:label="us-gaap_OtherNoninterestExpense" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherNoninterestExpense" xlink:to="us-gaap_OtherNoninterestExpense_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherNoninterestExpense_lbl" xml:lang="en-US">Other Noninterest Expense</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_OtherNoninterestExpense_lbl" xml:lang="en-US">Other</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_NoninterestExpense" xlink:label="us-gaap_NoninterestExpense" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_NoninterestExpense_lbl" xml:lang="en-US">Total other expense</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:label="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_lbl" xml:lang="en-US">Net investment securities gains (losses)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_lbl" xml:lang="en-US">Income before income tax expense</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:label="us-gaap_IncomeTaxExpenseBenefit" />
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="cnbc_ProceedsFromRightsOffering" xlink:to="cnbc_ProceedsFromRightsOffering_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="cnbc_ProceedsFromRightsOffering_lbl" xml:lang="en-US">Proceeds from rights offering</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="cnbc_ProceedsFromIssuanceOfSeriesBPerferredStock_lbl" xml:lang="en-US">Proceeds from issuance of series B preferred stock</label>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="cnbc_WarrantRepurchased" xlink:to="cnbc_WarrantRepurchased_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="cnbc_WarrantRepurchased_lbl" xml:lang="en-US">warrant repurchased</label>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DividendsCommonStockCash" xlink:to="us-gaap_DividendsCommonStockCash_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DividendsCommonStockCash_lbl" xml:lang="en-US">Dividends, Common Stock, Cash</label>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AdjustmentsToAdditionalPaidInCapitalStockIssuedIssuanceCosts" xlink:to="us-gaap_AdjustmentsToAdditionalPaidInCapitalStockIssuedIssuanceCosts_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AdjustmentsToAdditionalPaidInCapitalStockIssuedIssuanceCosts_lbl" xml:lang="en-US">Adjustments to Additional Paid in Capital, Stock Issued, Issuance Costs</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AdjustmentsToAdditionalPaidInCapitalStockIssuedIssuanceCosts_lbl" xml:lang="en-US">Issuance cost of common stock</label>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="cnbc_AccrualOfDividendOnSeriesBPreferredStock" xlink:to="cnbc_AccrualOfDividendOnSeriesBPreferredStock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="cnbc_AccrualOfDividendOnSeriesBPreferredStock_lbl" xml:lang="en-US">Accrual of dividend on series B preferred stock</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="cnbc_AccrualOfDividendOnSeriesBPreferredStock_lbl" xml:lang="en-US">Issuance cost of Series B preferred stock</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="cnbc_AccrualOfDividendOnSeriesBPreferredStock_lbl" xml:lang="en-US">Issuance cost of series B preferred stock</label>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised" xlink:to="us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised_lbl" xml:lang="en-US">Stock Issued During Period, Value, Stock Options Exercised</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised_lbl" xml:lang="en-US">Stock awarded</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_StockIssuedDuringPeriodValueOther" xlink:label="us-gaap_StockIssuedDuringPeriodValueOther" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockIssuedDuringPeriodValueOther" xlink:to="us-gaap_StockIssuedDuringPeriodValueOther_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StockIssuedDuringPeriodValueOther_lbl" xml:lang="en-US">Stock Issued During Period, Value, Other</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_StockIssuedDuringPeriodValueOther_lbl" xml:lang="en-US">Exercise of stock options</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_StockIssuedDuringPeriodValueOther_lbl" xml:lang="en-US">Exercise of stock options</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ShareBasedCompensation" xlink:label="us-gaap_ShareBasedCompensation" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensation" xlink:to="us-gaap_ShareBasedCompensation_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShareBasedCompensation_lbl" xml:lang="en-US">Allocated Share-based Compensation Expense</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ShareBasedCompensation_lbl" xml:lang="en-US">Stock-based compensation expense</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_ShareBasedCompensation_lbl" xml:lang="en-US">Allocated Share-based Compensation Expense, Total</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_ShareBasedCompensation_lbl" xml:lang="en-US">Stock-based compensation expense</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation" xlink:label="us-gaap_AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation" xlink:to="us-gaap_AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation_lbl" xml:lang="en-US">Adjustments to Additional Paid in Capital, Tax Effect from Share-based Compensation</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation_lbl" xml:lang="en-US">Option related tax trueup</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_TaxBenefitFromStockOptionsExercised" xlink:label="us-gaap_TaxBenefitFromStockOptionsExercised" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TaxBenefitFromStockOptionsExercised" xlink:to="us-gaap_TaxBenefitFromStockOptionsExercised_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TaxBenefitFromStockOptionsExercised_lbl" xml:lang="en-US">Tax Benefit from Stock Options Exercised</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TaxBenefitFromStockOptionsExercised_lbl" xml:lang="en-US">Taxes related to stock-based compensation</label>
    <loc xlink:type="locator" xlink:href="cnbc-20111231.xsd#cnbc_IssuanceOfStockAndWarrants" xlink:label="cnbc_IssuanceOfStockAndWarrants" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="cnbc_IssuanceOfStockAndWarrants" xlink:to="cnbc_IssuanceOfStockAndWarrants_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="cnbc_IssuanceOfStockAndWarrants_lbl" xml:lang="en-US">Issuance of stock and warrants</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="cnbc_IssuanceOfStockAndWarrants_lbl" xml:lang="en-US">Issuance of Stock and Warrants</label>
    <loc xlink:type="locator" xlink:href="cnbc-20111231.xsd#cnbc_ProceedsFromRightsOfferingShares" xlink:label="cnbc_ProceedsFromRightsOfferingShares" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="cnbc_ProceedsFromRightsOfferingShares" xlink:to="cnbc_ProceedsFromRightsOfferingShares_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="cnbc_ProceedsFromRightsOfferingShares_lbl" xml:lang="en-US">proceeds from rights offering</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="cnbc_ProceedsFromRightsOfferingShares_lbl" xml:lang="en-US">Proceeds from rights offering, Shares</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CommonStockDividendsPerShareDeclared" xlink:label="us-gaap_CommonStockDividendsPerShareDeclared" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockDividendsPerShareDeclared" xlink:to="us-gaap_CommonStockDividendsPerShareDeclared_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CommonStockDividendsPerShareDeclared_lbl" xml:lang="en-US">Common Stock, Dividends, Per Share, Declared</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CommonStockDividendsPerShareDeclared_lbl" xml:lang="en-US">Dividend paid per common share</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_CommonStockDividendsPerShareDeclared_lbl" xml:lang="en-US">Dividends, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_StockIssuedDuringPeriodSharesNewIssues" xlink:label="us-gaap_StockIssuedDuringPeriodSharesNewIssues" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockIssuedDuringPeriodSharesNewIssues" xlink:to="us-gaap_StockIssuedDuringPeriodSharesNewIssues_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StockIssuedDuringPeriodSharesNewIssues_lbl" xml:lang="en-US">Stock Issued During Period, Shares, New Issues</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_StockIssuedDuringPeriodSharesNewIssues_lbl" xml:lang="en-US">Stock Offerings During Period, Shares</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_StockIssuedDuringPeriodSharesNewIssues_lbl" xml:lang="en-US">stock offerings during period, shares</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_StockIssuedDuringPeriodSharesOther" xlink:label="us-gaap_StockIssuedDuringPeriodSharesOther" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockIssuedDuringPeriodSharesOther" xlink:to="us-gaap_StockIssuedDuringPeriodSharesOther_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StockIssuedDuringPeriodSharesOther_lbl" xml:lang="en-US">Stock Issued During Period, Shares, Other</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_StockIssuedDuringPeriodSharesOther_lbl" xml:lang="en-US">Exercise of Stock Options, Shares</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_StatementOfCashFlowsAbstract" xlink:label="us-gaap_StatementOfCashFlowsAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatementOfCashFlowsAbstract" xlink:to="us-gaap_StatementOfCashFlowsAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StatementOfCashFlowsAbstract_lbl" xml:lang="en-US">Consolidated Statements of Cash Flows</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CashAndCashEquivalentsPeriodIncreaseDecreaseAbstract" xlink:label="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecreaseAbstract" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecreaseAbstract_lbl" xml:lang="en-US">Cash and Cash Equivalents, Period Increase (Decrease) [Abstract]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_lbl" xml:lang="en-US">Cash flows from operating activities:</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_lbl" xml:lang="en-US">Adjustments to Reconcile Net Income to Net Cash Provided by Operating Activities:</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_DepreciationDepletionAndAmortization" xlink:label="us-gaap_DepreciationDepletionAndAmortization" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DepreciationDepletionAndAmortization" xlink:to="us-gaap_DepreciationDepletionAndAmortization_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DepreciationDepletionAndAmortization_lbl" xml:lang="en-US">Depreciation, Depletion and Amortization</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DepreciationDepletionAndAmortization_lbl" xml:lang="en-US">Depreciation and amortization</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_DepreciationDepletionAndAmortization_lbl" xml:lang="en-US">Depreciation, Depletion and Amortization, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:label="us-gaap_DeferredIncomeTaxExpenseBenefit" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:to="us-gaap_DeferredIncomeTaxExpenseBenefit_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DeferredIncomeTaxExpenseBenefit_lbl" xml:lang="en-US">Deferred Income Tax Expense (Benefit)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DeferredIncomeTaxExpenseBenefit_lbl" xml:lang="en-US">Income before income tax expense</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_DeferredIncomeTaxExpenseBenefit_lbl" xml:lang="en-US">Deferred Income Tax Expense (Benefit), Total</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_DeferredIncomeTaxExpenseBenefit_lbl" xml:lang="en-US">Provision for deferred taxes</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_IncreaseDecreaseInLoansHeldForSale" xlink:label="us-gaap_IncreaseDecreaseInLoansHeldForSale" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInLoansHeldForSale" xlink:to="us-gaap_IncreaseDecreaseInLoansHeldForSale_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncreaseDecreaseInLoansHeldForSale_lbl" xml:lang="en-US">Increase (Decrease) in Loans Held-for-sale</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_IncreaseDecreaseInLoansHeldForSale_lbl" xml:lang="en-US">Net gains on sales of loans held for sale</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_IncreaseDecreaseInLoansHeldForSale_lbl" xml:lang="en-US">Increase (Decrease) in Loans Held-for-sale, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_PaymentsForOriginationAndPurchasesOfLoansHeldForSale" xlink:label="us-gaap_PaymentsForOriginationAndPurchasesOfLoansHeldForSale" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsForOriginationAndPurchasesOfLoansHeldForSale" xlink:to="us-gaap_PaymentsForOriginationAndPurchasesOfLoansHeldForSale_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PaymentsForOriginationAndPurchasesOfLoansHeldForSale_lbl" xml:lang="en-US">Payments for Origination and Purchases of Loans Held-for-sale</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsForOriginationAndPurchasesOfLoansHeldForSale_lbl" xml:lang="en-US">Net loans originated for sale</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PaymentsForOriginationAndPurchasesOfLoansHeldForSale_lbl" xml:lang="en-US">Net loans originated for sale</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_PaymentsForOriginationAndPurchasesOfLoansHeldForSale_lbl" xml:lang="en-US">Payments for Origination and Purchases of Loans Held-for-sale, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ProceedsFromSaleAndCollectionOfLoansHeldforsale" xlink:label="us-gaap_ProceedsFromSaleAndCollectionOfLoansHeldforsale" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromSaleAndCollectionOfLoansHeldforsale" xlink:to="us-gaap_ProceedsFromSaleAndCollectionOfLoansHeldforsale_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProceedsFromSaleAndCollectionOfLoansHeldforsale_lbl" xml:lang="en-US">Proceeds from Sale and Collection of Loans Held-for-sale</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ProceedsFromSaleAndCollectionOfLoansHeldforsale_lbl" xml:lang="en-US">Proceeds from sales of loans held for sale</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_ProceedsFromSaleAndCollectionOfLoansHeldforsale_lbl" xml:lang="en-US">Proceeds from Sale and Collection of Loans Held-for-sale, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_GainLossOnSaleOfPropertyPlantEquipment" xlink:label="us-gaap_GainLossOnSaleOfPropertyPlantEquipment" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GainLossOnSaleOfPropertyPlantEquipment" xlink:to="us-gaap_GainLossOnSaleOfPropertyPlantEquipment_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_GainLossOnSaleOfPropertyPlantEquipment_lbl" xml:lang="en-US">Gain (Loss) on Sale of Property Plant Equipment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_GainLossOnSaleOfPropertyPlantEquipment_lbl" xml:lang="en-US">Net loss on disposition of premises and equipment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_GainLossOnSaleOfPropertyPlantEquipment_lbl" xml:lang="en-US">Net loss on sales and dispositions of premises and equipment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_GainLossOnSaleOfPropertyPlantEquipment_lbl" xml:lang="en-US">Gain (Loss) on Sale of Property Plant Equipment, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_GainsLossesOnSalesOfOtherRealEstate" xlink:label="us-gaap_GainsLossesOnSalesOfOtherRealEstate" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GainsLossesOnSalesOfOtherRealEstate" xlink:to="us-gaap_GainsLossesOnSalesOfOtherRealEstate_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_GainsLossesOnSalesOfOtherRealEstate_lbl" xml:lang="en-US">Gains (Losses) on Sales of Other Real Estate</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_GainsLossesOnSalesOfOtherRealEstate_lbl" xml:lang="en-US">Net loss on sale of other real estate owned</label>
    <loc xlink:type="locator" xlink:href="cnbc-20111231.xsd#cnbc_LifeInsuranceDeathBenefit" xlink:label="cnbc_LifeInsuranceDeathBenefit" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="cnbc_LifeInsuranceDeathBenefit" xlink:to="cnbc_LifeInsuranceDeathBenefit_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="cnbc_LifeInsuranceDeathBenefit_lbl" xml:lang="en-US">Life insurance death benefit</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="cnbc_LifeInsuranceDeathBenefit_lbl" xml:lang="en-US">Life insurance death benefit</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_LifeInsuranceCorporateOrBankOwnedChangeInValue" xlink:label="us-gaap_LifeInsuranceCorporateOrBankOwnedChangeInValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LifeInsuranceCorporateOrBankOwnedChangeInValue" xlink:to="us-gaap_LifeInsuranceCorporateOrBankOwnedChangeInValue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LifeInsuranceCorporateOrBankOwnedChangeInValue_lbl" xml:lang="en-US">Life Insurance, Corporate or Bank Owned, Change in Value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_LifeInsuranceCorporateOrBankOwnedChangeInValue_lbl" xml:lang="en-US">Increase in cash surrender value of bank owned life insurance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LifeInsuranceCorporateOrBankOwnedChangeInValue_lbl" xml:lang="en-US">Increase in cash surrender value of life insurance</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments" xlink:label="us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments" xlink:to="us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments_lbl" xml:lang="en-US">Accretion (Amortization) of Discounts and Premiums, Investments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments_lbl" xml:lang="en-US">Net amortization of securities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments_lbl" xml:lang="en-US">Net amortization of securit</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet" xlink:label="us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet" xlink:to="us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet_lbl" xml:lang="en-US">Increase (Decrease) in Accrued Interest Receivable, Net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet_lbl" xml:lang="en-US">(Increase) decrease in accrued interest receivable</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet_lbl" xml:lang="en-US">(Increase) decrease in accrued interest receivable</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_IncreaseDecreaseInPrepaidExpense" xlink:label="us-gaap_IncreaseDecreaseInPrepaidExpense" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInPrepaidExpense" xlink:to="us-gaap_IncreaseDecreaseInPrepaidExpense_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncreaseDecreaseInPrepaidExpense_lbl" xml:lang="en-US">Increase (Decrease) in Prepaid Expense</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_IncreaseDecreaseInPrepaidExpense_lbl" xml:lang="en-US">Decrease in prepaid FDIC insurance assessment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_IncreaseDecreaseInPrepaidExpense_lbl" xml:lang="en-US">Decrease in prepaid FDIC insurance assessments</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:label="us-gaap_IncreaseDecreaseInOtherOperatingAssets" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:to="us-gaap_IncreaseDecreaseInOtherOperatingAssets_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncreaseDecreaseInOtherOperatingAssets_lbl" xml:lang="en-US">Increase (Decrease) in Other Operating Assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_IncreaseDecreaseInOtherOperatingAssets_lbl" xml:lang="en-US">(Increase) decrease in other assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_IncreaseDecreaseInOtherOperatingAssets_lbl" xml:lang="en-US">Increase (Decrease) in other assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_IncreaseDecreaseInOtherOperatingAssets_lbl" xml:lang="en-US">Increase (Decrease) in Other Operating Assets, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_IncreaseDecreaseInOtherOperatingLiabilities" xlink:label="us-gaap_IncreaseDecreaseInOtherOperatingLiabilities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInOtherOperatingLiabilities" xlink:to="us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_lbl" xml:lang="en-US">Increase (Decrease) in Other Operating Liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_lbl" xml:lang="en-US">Decrease in other liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_lbl" xml:lang="en-US">Increase (Decrease) in Other Operating Liabilities, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivities" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivities_lbl" xml:lang="en-US">Net Cash Provided by (Used in) Operating Activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivities_lbl" xml:lang="en-US">Net cash provided by operating activities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:to="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_lbl" xml:lang="en-US">Cash flows from investing activities:</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecurities" xlink:label="us-gaap_PaymentsToAcquireAvailableForSaleSecurities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsToAcquireAvailableForSaleSecurities" xlink:to="us-gaap_PaymentsToAcquireAvailableForSaleSecurities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PaymentsToAcquireAvailableForSaleSecurities_lbl" xml:lang="en-US">Payments to Acquire Available-for-sale Securities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsToAcquireAvailableForSaleSecurities_lbl" xml:lang="en-US">Investment securities available-for-sale: Purchases</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PaymentsToAcquireAvailableForSaleSecurities_lbl" xml:lang="en-US">Investment securities available-for-sale: Purchases</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_PaymentsToAcquireAvailableForSaleSecurities_lbl" xml:lang="en-US">Payments to Acquire Available-for-sale Securities, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities" xlink:label="us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities" xlink:to="us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities_lbl" xml:lang="en-US">Proceeds from Sale of Available-for-sale Securities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities_lbl" xml:lang="en-US">Investment securities available-for-sale: Sales</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities_lbl" xml:lang="en-US">Proceeds from Sale of Available-for-sale Securities, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" xlink:label="us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_lbl" xml:lang="en-US">Proceeds from Maturities, Prepayments and Calls of Available-for-sale Securities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_lbl" xml:lang="en-US">Investment securities available-for-sale: Maturies, calls and principal repayment</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_PaymentsToAcquireHeldToMaturitySecurities" xlink:label="us-gaap_PaymentsToAcquireHeldToMaturitySecurities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsToAcquireHeldToMaturitySecurities" xlink:to="us-gaap_PaymentsToAcquireHeldToMaturitySecurities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PaymentsToAcquireHeldToMaturitySecurities_lbl" xml:lang="en-US">Payments to Acquire Held-to-maturity Securities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsToAcquireHeldToMaturitySecurities_lbl" xml:lang="en-US">Investment securities held-to-maturity: Purchases</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PaymentsToAcquireHeldToMaturitySecurities_lbl" xml:lang="en-US">Investment securities held-to-maturity: Purchases</label>
    <loc xlink:type="locator" xlink:href="cnbc-20111231.xsd#cnbc_InvestmentSecuritiesHeldToMaturityMaturitiesAndPrincipalRepayments" xlink:label="cnbc_InvestmentSecuritiesHeldToMaturityMaturitiesAndPrincipalRepayments" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="cnbc_InvestmentSecuritiesHeldToMaturityMaturitiesAndPrincipalRepayments" xlink:to="cnbc_InvestmentSecuritiesHeldToMaturityMaturitiesAndPrincipalRepayments_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="cnbc_InvestmentSecuritiesHeldToMaturityMaturitiesAndPrincipalRepayments_lbl" xml:lang="en-US">Accrual of dividend on series B preferred stock</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="cnbc_InvestmentSecuritiesHeldToMaturityMaturitiesAndPrincipalRepayments_lbl" xml:lang="en-US">Investment securities held-to-maturity: Maturities and principal repayments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="cnbc_InvestmentSecuritiesHeldToMaturityMaturitiesAndPrincipalRepayments_lbl" xml:lang="en-US">Investment securities held-to-maturity: Maturities and principal repayments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="cnbc_InvestmentSecuritiesHeldToMaturityMaturitiesAndPrincipalRepayments_lbl" xml:lang="en-US">Investment securities held-to-maturity: Maturities and principal repayment</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_IncreaseDecreaseOfRestrictedInvestments" xlink:label="us-gaap_IncreaseDecreaseOfRestrictedInvestments" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseOfRestrictedInvestments" xlink:to="us-gaap_IncreaseDecreaseOfRestrictedInvestments_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncreaseDecreaseOfRestrictedInvestments_lbl" xml:lang="en-US">Increase (Decrease) of Restricted Investments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_IncreaseDecreaseOfRestrictedInvestments_lbl" xml:lang="en-US">Net redemption (purchases) of restricted investment in bank stock</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_IncreaseDecreaseOfRestrictedInvestments_lbl" xml:lang="en-US">Net redemption (purchase) of restricted investment in bank stocks</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_PaymentsForProceedsFromLoansAndLeases" xlink:label="us-gaap_PaymentsForProceedsFromLoansAndLeases" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsForProceedsFromLoansAndLeases" xlink:to="us-gaap_PaymentsForProceedsFromLoansAndLeases_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PaymentsForProceedsFromLoansAndLeases_lbl" xml:lang="en-US">Payments for (Proceeds from) Loans and Leases</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsForProceedsFromLoansAndLeases_lbl" xml:lang="en-US">Net (increase) decrease in loans</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PaymentsForProceedsFromLoansAndLeases_lbl" xml:lang="en-US">Net decrease (increase) in loans</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_PaymentsForProceedsFromLoansAndLeases_lbl" xml:lang="en-US">Payments for (Proceeds from) Loans and Leases, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:label="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:to="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_lbl" xml:lang="en-US">Payments to Acquire Property, Plant, and Equipment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_lbl" xml:lang="en-US">Purchases of premises and equipment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_lbl" xml:lang="en-US">Purchases of premises and equipment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_lbl" xml:lang="en-US">Payments to Acquire Property, Plant, and Equipment, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_PaymentsToAcquireLifeInsurancePolicies" xlink:label="us-gaap_PaymentsToAcquireLifeInsurancePolicies" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsToAcquireLifeInsurancePolicies" xlink:to="us-gaap_PaymentsToAcquireLifeInsurancePolicies_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PaymentsToAcquireLifeInsurancePolicies_lbl" xml:lang="en-US">Payments to Acquire Life Insurance Policies</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsToAcquireLifeInsurancePolicies_lbl" xml:lang="en-US">Purchase of bank-owned life insurance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PaymentsToAcquireLifeInsurancePolicies_lbl" xml:lang="en-US">Purchase of bank-owned life insurance</label>
    <loc xlink:type="locator" xlink:href="cnbc-20111231.xsd#cnbc_RedemptionOfBankOwnedLifeInsurance" xlink:label="cnbc_RedemptionOfBankOwnedLifeInsurance" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="cnbc_RedemptionOfBankOwnedLifeInsurance" xlink:to="cnbc_RedemptionOfBankOwnedLifeInsurance_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="cnbc_RedemptionOfBankOwnedLifeInsurance_lbl" xml:lang="en-US">Redemption of bank owned life insurance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="cnbc_RedemptionOfBankOwnedLifeInsurance_lbl" xml:lang="en-US">Redemption of bank-owned life insurance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="cnbc_RedemptionOfBankOwnedLifeInsurance_lbl" xml:lang="en-US">Redemption of bank owned life insurance</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ProceedsFromLifeInsurancePolicies" xlink:label="us-gaap_ProceedsFromLifeInsurancePolicies" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromLifeInsurancePolicies" xlink:to="us-gaap_ProceedsFromLifeInsurancePolicies_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProceedsFromLifeInsurancePolicies_lbl" xml:lang="en-US">Proceeds from Life Insurance Policies</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ProceedsFromLifeInsurancePolicies_lbl" xml:lang="en-US">Proceeds from life insurance death benefits</label>
    <loc xlink:type="locator" xlink:href="cnbc-20111231.xsd#cnbc_CapitalExpenditureAdditionToOreo" xlink:label="cnbc_CapitalExpenditureAdditionToOreo" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="cnbc_CapitalExpenditureAdditionToOreo" xlink:to="cnbc_CapitalExpenditureAdditionToOreo_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="cnbc_CapitalExpenditureAdditionToOreo_lbl" xml:lang="en-US">Capital Expenditure Addition to OREO</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="cnbc_CapitalExpenditureAdditionToOreo_lbl" xml:lang="en-US">Capital Expenditure Addition to OREO</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="cnbc_CapitalExpenditureAdditionToOreo_lbl" xml:lang="en-US">Capital expenditure addition to other real estate owned</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment" xlink:label="us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment" xlink:to="us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment_lbl" xml:lang="en-US">Proceeds from Sale of Property, Plant, and Equipment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment_lbl" xml:lang="en-US">Proceeds from sale of premises and equipment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment_lbl" xml:lang="en-US">Proceeds from Sale of Property, Plant, and Equipment, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ProceedsFromRealEstateAndRealEstateJointVentures" xlink:label="us-gaap_ProceedsFromRealEstateAndRealEstateJointVentures" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromRealEstateAndRealEstateJointVentures" xlink:to="us-gaap_ProceedsFromRealEstateAndRealEstateJointVentures_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProceedsFromRealEstateAndRealEstateJointVentures_lbl" xml:lang="en-US">Proceeds from Real Estate and Real Estate Joint Ventures</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ProceedsFromRealEstateAndRealEstateJointVentures_lbl" xml:lang="en-US">Proceeds from sale of other real estate owned</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:to="us-gaap_NetCashProvidedByUsedInInvestingActivities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivities_lbl" xml:lang="en-US">Net Cash Provided by (Used in) Investing Activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivities_lbl" xml:lang="en-US">Net cash used in investing activities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:to="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_lbl" xml:lang="en-US">Cash flows from financing activities:</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_IncreaseDecreaseInDeposits" xlink:label="us-gaap_IncreaseDecreaseInDeposits" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInDeposits" xlink:to="us-gaap_IncreaseDecreaseInDeposits_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncreaseDecreaseInDeposits_lbl" xml:lang="en-US">Increase (Decrease) in Deposits</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_IncreaseDecreaseInDeposits_lbl" xml:lang="en-US">Net increase in deposits</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_IncreaseDecreaseInDeposits_lbl" xml:lang="en-US">Increase (Decrease) in Deposits, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ProceedsFromRepaymentsOfShortTermDebt" xlink:label="us-gaap_ProceedsFromRepaymentsOfShortTermDebt" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromRepaymentsOfShortTermDebt" xlink:to="us-gaap_ProceedsFromRepaymentsOfShortTermDebt_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProceedsFromRepaymentsOfShortTermDebt_lbl" xml:lang="en-US">Proceeds from (Repayments of) Short-term Debt</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ProceedsFromRepaymentsOfShortTermDebt_lbl" xml:lang="en-US">Net (decrease) increase in short-term borrowings</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_ProceedsFromRepaymentsOfShortTermDebt_lbl" xml:lang="en-US">Proceeds from (Repayments of) Short-term Debt, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings" xlink:label="us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings" xlink:to="us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings_lbl" xml:lang="en-US">Repayments of Federal Home Loan Bank Borrowings</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings_lbl" xml:lang="en-US">Payments on long-term borrowings</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings_lbl" xml:lang="en-US">Repayments of long-term borrowings</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_PaymentsOfDividendsCommonStock" xlink:label="us-gaap_PaymentsOfDividendsCommonStock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsOfDividendsCommonStock" xlink:to="us-gaap_PaymentsOfDividendsCommonStock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PaymentsOfDividendsCommonStock_lbl" xml:lang="en-US">Payments of Dividends, Common Stock</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsOfDividendsCommonStock_lbl" xml:lang="en-US">Cash dividends on common stock</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PaymentsOfDividendsCommonStock_lbl" xml:lang="en-US">Cash dividends on common stock</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock" xlink:label="us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock" xlink:to="us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock_lbl" xml:lang="en-US">Payments of Dividends, Preferred Stock and Preference Stock</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock_lbl" xml:lang="en-US">Cash dividends on preferred stock</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock_lbl" xml:lang="en-US">Cash dividends on preferred stock</label>
    <loc xlink:type="locator" xlink:href="cnbc-20111231.xsd#cnbc_ProceedsFromIssuanceOfSblfPreferredStock" xlink:label="cnbc_ProceedsFromIssuanceOfSblfPreferredStock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="cnbc_ProceedsFromIssuanceOfSblfPreferredStock" xlink:to="cnbc_ProceedsFromIssuanceOfSblfPreferredStock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="cnbc_ProceedsFromIssuanceOfSblfPreferredStock_lbl" xml:lang="en-US">Proceeds from issuance of SBLF preferred stock</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="cnbc_ProceedsFromIssuanceOfSblfPreferredStock_lbl" xml:lang="en-US">Proceeds from issuance of Series B preferred stock</label>
    <loc xlink:type="locator" xlink:href="cnbc-20111231.xsd#cnbc_RedemptionOfSereiesPreferredStock" xlink:label="cnbc_RedemptionOfSereiesPreferredStock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="cnbc_RedemptionOfSereiesPreferredStock" xlink:to="cnbc_RedemptionOfSereiesPreferredStock_lbl" />
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="cnbc_IssuanceCostOfCommonStockFromCommonStockOfferings" xlink:to="cnbc_IssuanceCostOfCommonStockFromCommonStockOfferings_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="cnbc_IssuanceCostOfCommonStockFromCommonStockOfferings_lbl" xml:lang="en-US">Issuance cost of common stock from common stock offerings.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="cnbc_IssuanceCostOfCommonStockFromCommonStockOfferings_lbl" xml:lang="en-US">Issuance cost of common stock from common stock offerings</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="cnbc_IssuanceCostOfSblfPreferredStock_lbl" xml:lang="en-US">Issuance cost of SBLF preferred stock</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="cnbc_ProceedsFromIssuanceOfPreferredStockAndWarrants_lbl" xml:lang="en-US">Proceeds from issuance of preferred stock and warrants</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="cnbc_ProceedsFromIssuanceOfPreferredStockAndWarrants_lbl" xml:lang="en-US">Proceeds from issuance of Series A preferred stock and warrants</label>
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    <loc xlink:type="locator" xlink:href="cnbc-20111231.xsd#cnbc_ProceedsFromIssuanceOfSharesFromStockOfferingOfRightsOffering" xlink:label="cnbc_ProceedsFromIssuanceOfSharesFromStockOfferingOfRightsOffering" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="cnbc_ProceedsFromIssuanceOfSharesFromStockOfferingOfRightsOffering" xlink:to="cnbc_ProceedsFromIssuanceOfSharesFromStockOfferingOfRightsOffering_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="cnbc_ProceedsFromIssuanceOfSharesFromStockOfferingOfRightsOffering_lbl" xml:lang="en-US">Proceeds from issuance of shares from stock offering of rights offering</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="cnbc_ProceedsFromIssuanceOfSharesFromStockOfferingOfRightsOffering_lbl" xml:lang="en-US">Proceeds from issuance of shares from stock offering or rights offering</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_PaymentsOfStockIssuanceCosts" xlink:label="us-gaap_PaymentsOfStockIssuanceCosts" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsOfStockIssuanceCosts" xlink:to="us-gaap_PaymentsOfStockIssuanceCosts_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PaymentsOfStockIssuanceCosts_lbl" xml:lang="en-US">Payments of Stock Issuance Costs</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsOfStockIssuanceCosts_lbl" xml:lang="en-US">Issuance cost of common stock</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PaymentsOfStockIssuanceCosts_lbl" xml:lang="en-US">Issuance cost from issue of common stock</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities" xlink:label="us-gaap_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities" xlink:to="us-gaap_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities_lbl" xml:lang="en-US">Excess Tax Benefit from Share-based Compensation, Financing Activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities_lbl" xml:lang="en-US">Tax expense (benefit) from stock based compensation</label>
    <loc xlink:type="locator" xlink:href="cnbc-20111231.xsd#cnbc_IssuanceCostOfRestrictedStockAward" xlink:label="cnbc_IssuanceCostOfRestrictedStockAward" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="cnbc_IssuanceCostOfRestrictedStockAward" xlink:to="cnbc_IssuanceCostOfRestrictedStockAward_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="cnbc_IssuanceCostOfRestrictedStockAward_lbl" xml:lang="en-US">The cash outflow during the period for payments of costs to third parties related specifically to the issuance of restricted stock awards.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="cnbc_IssuanceCostOfRestrictedStockAward_lbl" xml:lang="en-US">Issuance cost of restricted stock award</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="cnbc_IssuanceCostOfRestrictedStockAward_lbl" xml:lang="en-US">Issuance cost of restricted stock award</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ProceedsFromStockOptionsExercised" xlink:label="us-gaap_ProceedsFromStockOptionsExercised" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromStockOptionsExercised" xlink:to="us-gaap_ProceedsFromStockOptionsExercised_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProceedsFromStockOptionsExercised_lbl" xml:lang="en-US">Proceeds from Stock Options Exercised</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ProceedsFromStockOptionsExercised_lbl" xml:lang="en-US">Proceeds from exercise of stock options</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:to="us-gaap_NetCashProvidedByUsedInFinancingActivities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivities_lbl" xml:lang="en-US">Net Cash Provided by (Used in) Financing Activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivities_lbl" xml:lang="en-US">Net cash provided by (used in) financing activities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:label="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:to="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease_lbl" xml:lang="en-US">Cash and Cash Equivalents, Period Increase (Decrease)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease_lbl" xml:lang="en-US">Net increase (decrease) in cash and cash equivalents</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract" xlink:label="us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract" xlink:to="us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_lbl" xml:lang="en-US">Supplemental disclosures of cash flow information:</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_OtherSignificantNoncashTransactionValueOfConsiderationGiven1" xlink:label="us-gaap_OtherSignificantNoncashTransactionValueOfConsiderationGiven1" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherSignificantNoncashTransactionValueOfConsiderationGiven1" xlink:to="us-gaap_OtherSignificantNoncashTransactionValueOfConsiderationGiven1_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherSignificantNoncashTransactionValueOfConsiderationGiven1_lbl" xml:lang="en-US">Other Significant Noncash Transaction, Value of Consideration Given</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_OtherSignificantNoncashTransactionValueOfConsiderationGiven1_lbl" xml:lang="en-US">Noncash activities: Trade date accounting settlement for investments</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_TransferOfOtherRealEstate" xlink:label="us-gaap_TransferOfOtherRealEstate" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TransferOfOtherRealEstate" xlink:to="us-gaap_TransferOfOtherRealEstate_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TransferOfOtherRealEstate_lbl" xml:lang="en-US">Transfer Other Real Estate</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TransferOfOtherRealEstate_lbl" xml:lang="en-US">Noncash activities: Transfer of loans to other real estate owned</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CapitalLeasesNetInvestmentInDirectFinancingLeases" xlink:label="us-gaap_CapitalLeasesNetInvestmentInDirectFinancingLeases" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CapitalLeasesNetInvestmentInDirectFinancingLeases" xlink:to="us-gaap_CapitalLeasesNetInvestmentInDirectFinancingLeases_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CapitalLeasesNetInvestmentInDirectFinancingLeases_lbl" xml:lang="en-US">Capital Leases, Net Investment in Direct Financing Leases</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CapitalLeasesNetInvestmentInDirectFinancingLeases_lbl" xml:lang="en-US">Noncash activities: Net investment in direct financing lease</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_CapitalLeasesNetInvestmentInDirectFinancingLeases_lbl" xml:lang="en-US">Capital Leases, Net Investment in Direct Financing Leases, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_TransferOfInvestments" xlink:label="us-gaap_TransferOfInvestments" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TransferOfInvestments" xlink:to="us-gaap_TransferOfInvestments_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TransferOfInvestments_lbl" xml:lang="en-US">Transfer of Investments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TransferOfInvestments_lbl" xml:lang="en-US">Noncash activities: Transfer from investment securities available-for-sale to investment securities held-to-maturity</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_TransferOfInvestments_lbl" xml:lang="en-US">Held-to-maturity</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_SupplementalCashFlowInformationAbstract" xlink:label="us-gaap_SupplementalCashFlowInformationAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SupplementalCashFlowInformationAbstract" xlink:to="us-gaap_SupplementalCashFlowInformationAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_SupplementalCashFlowInformationAbstract_lbl" xml:lang="en-US">Cash paid during year for:</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InterestPaid" xlink:label="us-gaap_InterestPaid" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestPaid" xlink:to="us-gaap_InterestPaid_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestPaid_lbl" xml:lang="en-US">Interest Paid</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InterestPaid_lbl" xml:lang="en-US">Interest paid on deposits and borrowings</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_InterestPaid_lbl" xml:lang="en-US">Interest Paid, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_IncomeTaxesPaid" xlink:label="us-gaap_IncomeTaxesPaid" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeTaxesPaid" xlink:to="us-gaap_IncomeTaxesPaid_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncomeTaxesPaid_lbl" xml:lang="en-US">Income Taxes Paid</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_IncomeTaxesPaid_lbl" xml:lang="en-US">Income taxes</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:label="us-gaap_AccountingPoliciesAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccountingPoliciesAbstract" xlink:to="us-gaap_AccountingPoliciesAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AccountingPoliciesAbstract_lbl" xml:lang="en-US">Summary of Significant Accounting Policies</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_BasisOfPresentationAndSignificantAccountingPoliciesTextBlock" xlink:label="us-gaap_BasisOfPresentationAndSignificantAccountingPoliciesTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_BasisOfPresentationAndSignificantAccountingPoliciesTextBlock" xlink:to="us-gaap_BasisOfPresentationAndSignificantAccountingPoliciesTextBlock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_BasisOfPresentationAndSignificantAccountingPoliciesTextBlock_lbl" xml:lang="en-US">Basis of Presentation and Significant Accounting Policies [Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_BasisOfPresentationAndSignificantAccountingPoliciesTextBlock_lbl" xml:lang="en-US">Summary of Significant Accounting Policies</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_NewAccountingPronouncementsAndChangesInAccountingPrinciplesAbstract" xlink:label="us-gaap_NewAccountingPronouncementsAndChangesInAccountingPrinciplesAbstract" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NewAccountingPronouncementsAndChangesInAccountingPrinciplesAbstract_lbl" xml:lang="en-US">Recent Accounting Pronouncements</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AccountingChangesAndErrorCorrectionsTextBlock" xlink:label="us-gaap_AccountingChangesAndErrorCorrectionsTextBlock" />
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<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>25
<FILENAME>cnbc-20111231_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>Fair Value Measurements and Fair Value of Financial Instruments<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2011</div>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsOwnedAtFairValueAbstract', window );"><strong>Fair Value Measurements and Fair Value of Financial Instruments</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueDisclosuresTextBlock', window );">Fair Value Measurements and Fair Value of Financial Instruments</a></td>
        <td class="text"><div> <div style="min-width: 708px; text-align: center;">

<h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;">Note 18&nbsp;&#8212;&nbsp;Fair Value Measurements and Fair Value of Financial Instruments </h2>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Management uses its best judgment in estimating the fair value of the Corporation's financial and non-financial instruments; however, there are inherent weaknesses in any estimation technique. Therefore, for substantially all financial and non-financial instruments, the fair value estimates herein are not necessarily indicative of the amounts the Corporation could have realized in a sale transaction on the dates indicated. The estimated fair value amounts have been measured as of their respective year-ends and have not been re-evaluated or updated for purposes of these financial statements subsequent to those respective dates. As such, the estimated fair values of these financial and non-financial instruments subsequent to the respective reporting dates may be different than the amounts reported at each year-end. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">FASB ASC 820-10-05 defines fair value, establishes a framework for measuring fair value, establishes a three-level valuation hierarchy for disclosure of fair value measurement and enhances disclosure requirements for fair value measurements. The valuation hierarchy is based upon the transparency of inputs to the valuation of an asset or liability as of the measurement date. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">FASB ASC 820-10-65 provides additional guidance for estimating fair value in accordance with FASB ASC 820-10-05 when the volume and level of activity for the asset or liability have significantly decreased. This ASC also includes guidance on identifying circumstances that indicate a transaction is not orderly. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">FASB ASC 820-10-05 establishes a fair value hierarchy that prioritizes the inputs to valuation methods used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (Level 1 measurements) and the lowest priority to unobservable inputs (Level 3 measurements). The three levels of the fair value hierarchy under FASB ASC 820-10-05 are as follows: </p>

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0px; margin: 0pt; padding-left: 0pt; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="100%">
<tr style="text-align: left; line-height: 12pt; font-style: normal; font-size: 10pt; vertical-align: top; font-weight: normal;"><td style="width: 21px;"> </td>
<td style="text-align: left; width: 24px;">&#149;</td>
<td style="text-align: left;"><i>Level 1:</i>&nbsp;&nbsp;Unadjusted quoted prices in active markets that are accessible at the measurement date for identical, unrestricted assets or liabilities. </td></tr></table>

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0px; margin: 0pt; padding-left: 0pt; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="100%">
<tr style="text-align: left; line-height: 12pt; font-style: normal; font-size: 10pt; vertical-align: top; font-weight: normal;"><td style="width: 21px;"> </td>
<td style="text-align: left; width: 24px;">&#149;</td>
<td style="text-align: left;"><i>Level 2:</i>&nbsp;&nbsp;Quoted prices for similar assets and liabilities in active markets, and inputs that are observable for the asset or liability, either directly or indirectly, for substantially the full term of the financial instrument. </td></tr></table>

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0px; margin: 0pt; padding-left: 0pt; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="100%">
<tr style="text-align: left; line-height: 12pt; font-style: normal; font-size: 10pt; vertical-align: top; font-weight: normal;"><td style="width: 21px;"> </td>
<td style="text-align: left; width: 24px;">&#149;</td>
<td style="text-align: left;"><i>Level 3:</i>&nbsp;&nbsp;Prices or valuation techniques that require inputs that are both significant to the fair value measurement and unobservable (for example, supported with little or no market activity). </td></tr></table>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">An asset's or liability's level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The following information should not be interpreted as an estimate of the fair value of the entire Corporation since a fair value calculation is only provided for a limited portion of the Corporation's assets and liabilities. Due to a wide range of valuation techniques and the degree of subjectivity used in making the estimates, comparisons between the Corporation's disclosures and those of other companies may not be meaningful. The following methods and assumptions were used to estimate the fair values of the Corporation's assets measured at fair value on a recurring basis at December 31, 2011 and December 31, 2010: </p>

<h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;">Cash and Cash Equivalents </h3>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The carrying amounts for cash and cash equivalents approximate those assets' fair value. </p>

<h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;">Securities Available-for-Sale </h3>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Where quoted prices are available in an active market, securities are classified with Level 1 of the valuation hierarchy. Level 1 inputs include securities that have quoted prices in active markets for identical assets. If quoted market prices are not available, then fair values are estimated by using pricing models, quoted prices of securities with similar characteristics, or discounted cash flows. Examples of instruments, which would generally be classified within Level 2 of the valuation hierarchy, include municipal bonds and certain agency collateralized mortgage obligations. In certain cases where there is limited activity in the market for a particular instrument, assumptions must be made to determine their fair value and are classified as Level 3. Due to the inactive condition of the markets amidst the financial crisis, the Corporation treated certain securities as Level 3 securities in order to provide more appropriate valuations. For assets in an inactive market, the infrequent trades that do occur are not a true indication of fair value. When measuring fair value, the valuation techniques available under the market approach, income approach and/or cost approach are used. The Corporation's evaluations are based on market data and the Corporation employs combinations of these approaches for its valuation methods depending on the asset class. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">At December 31, 2011, the Corporation's two pooled trust preferred securities, ALESCO 6 and ALESCO 7, and one private label collateralized mortgage obligation were classified as Level 3. Market pricing for the Level 3 securities varied widely from one pricing service to another based on the lack of trading. As such, these securities were considered to no longer have readily observable market data that was accurate to support a fair value as prescribed by FASB ASC 820-10-05. The fair value measurement objective remained the same in that the price received by the Corporation would result from an orderly transaction (an exit price notion) and that the observable transactions considered in fair value were not forced liquidations or distressed sales at the measurement date. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">In regards to the pooled trust preferred securities ("pooled TRUPS") and the private issue single name trust preferred security ("single name TRUP"), or collectively ("TRUPS"), the Corporation was able to determine fair value of the TRUPS using a market approach validation technique based on Level 2 inputs that did not require significant adjustments. The Level 2 inputs included: </p>

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0px; margin: 0pt; padding-left: 0pt; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="100%">
<tr style="text-align: left; line-height: 12pt; font-style: normal; font-size: 10pt; vertical-align: top; font-weight: normal;"><td style="width: 21px;"> </td>
<td style="text-align: left; width: 20px;">(a)</td>
<td style="text-align: left;">Quoted prices in active markets for similar TRUPS with insignificant adjustments for differences between the TRUPS that the Corporation holds and similar TRUPS. </td></tr></table>

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0px; margin: 0pt; padding-left: 0pt; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="100%">
<tr style="text-align: left; line-height: 12pt; font-style: normal; font-size: 10pt; vertical-align: top; font-weight: normal;"><td style="width: 21px;"> </td>
<td style="text-align: left; width: 20px;">(b)</td>
<td style="text-align: left;">Quoted prices in markets that are not active that represent current transactions for the same or similar TRUPS that do not require significant adjustment based on unobservable inputs. </td></tr></table>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Since June 30, 2008, the market for these TRUPS has become increasingly inactive. The inactivity was evidenced first by a significant widening of the bid-ask spread in the brokered markets in which these TRUPS trade and then by a significant decrease in the volume of trades relative to historical levels as well as other relevant factors. At December 31, 2011, the Corporation determined that the market for similar TRUPS had stabilized. That determination was made considering that there are more observable transactions for similar TRUPS, the prices for those transactions that have occurred are current and or represent fair value, and the observable prices for those transactions have stabilized over time, thus increasing the potential relevance of those observations. However, the Corporation's three TRUPS at December 31, 2011 have been classified within Level 3 because the Corporation determined that significant adjustments using unobservable inputs are required to determine a true fair value at the measurement date. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The Corporation owns three variable rate private label collateralized mortgage obligations (CMOs), which were also evaluated for impairment. The Variable Rate Collateralized Mortgage Obligations were originally issued in 2006 and are 30 year Adjustable Rate Mortgage loans secured by a first lien, fully amortizing one-to-four residential mortgage loans. The tranche purchased was a Super Senior with an original credit rating of AAA/AA. The top five states geographic concentration comprised in the deal were California 18.2 percent, Arizona 10.5 percent, Virginia 6.1 percent, Florida 6.5 percent and Nevada 6.3 percent. No one state exceeded a 25 percent concentration. These states have been heavily impacted by the financial crises and as such have sustained heavy delinquencies affecting the credit rating of the security. Management had applied aggressive default rates to identify if any credit impairment exists, as these bonds were downgraded to below investment grade. The Corporation recorded $324,000 in principal losses on these bonds in 2011, and expects additional losses in future periods. As such, management determined that an other-than-temporary impairment charge exists and recorded a $18,000 write down to the bonds, which represents 0.5 percent of the par amount of $3.8 million. The new cost basis for these securities has been written down to $3.2 million and the fair value is $1.9 million. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The Corporation determined that an income approach valuation technique (present value technique) that maximizes the use of relevant observable inputs and minimizes the use of unobservable inputs will be equally or more representative of fair value than the market approach valuation technique used at the prior measurement dates. As a result, the Corporation used the discount rate adjustment technique to determine fair value. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The fair value as of December 31, 2011 was determined by discounting the expected cash flows over the life of the security. The discount rate was determined by deriving a discount rate when the markets were considered more active for this type of security. To this estimated discount rate, additions were made for more liquid markets and increased credit risk as well as assessing the risks in the security, such as default risk and severity risk. The securities continue to make scheduled cash flows and no material cash flow payment defaults have occurred to date. </p>

<h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;">Securities Held-to-Maturity </h3>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The fair value of the Company's investment securities held-to-maturity was primarily measured using information from a third-party pricing service. </p>

<h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;">Loans Held for Sale </h3>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Loans held for sale are required to be measured at the lower of cost or fair value. Under FASB ASC 820-10-05, market value is to represent fair value. Management obtains quotes or bids on all or part of these loans directly from the purchasing financial institutions. </p>

<h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;">Loans Receivable </h3>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The fair value of performing loans, except residential mortgages, is calculated by discounting scheduled cash flows through the estimated maturity using estimated market discount rates that reflect the credit and interest rate risks inherent in the loan. The estimate of maturity is based on the historical experience of the Bank with prepayments for each loan classification, modified as required by an estimate of the effect of current economic and lending conditions. For performing residential mortgage loans, fair value is estimated by discounting contractual cash flows adjusted for prepayment estimates using discount rates based on secondary market sources adjusted to reflect differences in servicing and credit costs. </p>

<h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;">Restricted Stocks </h3>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The carrying amount of restricted investment in bank stocks, which includes stock of the Federal Home Loan Bank of New York, Federal Reserve Bank of New York and Atlantic Central Bankers Bank, approximates fair value, and considers the limited marketability of such securities. </p>

<h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;">Accrued Interest Receivable and Payable </h3>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The carrying value of accrued interest receivable and accrued interest payable approximates its fair value. </p>

<h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;">Deposits </h3>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The fair value of deposits with no stated maturity, such as non-interest-bearing demand deposits, savings and interest-bearing checking accounts, and money market and checking accounts, is equal to the amount payable on demand as of December 31, 2011 and 2010. The fair value of certificates of deposit is based on the discounted value of contractual cash flows. The discount rate is estimated using the rates currently offered for deposits of similar remaining maturities. </p>

<h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;">Short-Term Borrowings </h3>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Short-term borrowings that mature within six months and securities sold under agreements to repurchase have fair values which approximate carrying value. </p>

<h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;">Long-Term Borrowings </h3>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Fair values of FHLB advances are estimated using discounted cash flow analysis, based on quoted prices for new FHLB advances with similar credit risk characteristics, terms and remaining maturity. These prices obtained from this active market represent a market value that is deemed to represent the transfer price if the liability were assumed by a third party. </p>

<h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;">Subordinated Debt </h3>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The fair value of subordinated debentures is estimated by discounting the estimated future cash flows, using market discount rates of financial instruments with similar characteristics, terms and remaining maturity. </p>

<h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;">Off-Balance Sheet Financial Instruments </h3>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The fair value of commitments to extend credits is estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present creditworthiness of the counterparties. For fixed rate loan commitments, fair value also considers the difference between current levels of interest rate and the committed rates. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The fair value of financial standby letters of credit is based on fees currently charged for similar agreements or on the estimated cost to terminate them or otherwise settle the obligations with the counterparties. </p>

<h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;">Assets and Liabilities Measured at Fair Value on a Recurring Basis </h2>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">For financial assets and liabilities measured at fair value on a recurring basis, the fair value measurements by level within the fair value hierarchy used at December 31, 2011 and December 31, 2010 are as follows: </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;" rowspan="2">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" rowspan="2" colspan="3">December 31,<br />2011</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11">Fair Value Measurements at Reporting Date Using</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Quoted Prices<br />in Active<br />Markets for<br />Identical Assets<br />(Level 1)</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Significant<br />Other<br />Observable<br />Inputs<br />(Level 2)</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Significant<br />Unobservable<br />Inputs<br />(Level 3)</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="15"><font style="font-weight: normal;" class="_mt">(Dollars in Thousands)</font></td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Financial Instruments Measured at Fair Value on a Recurring Basis:<br /></td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 20pt; vertical-align: text-bottom;">Federal agency obligations</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">24,969</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">2,004</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">22,965</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 20pt; vertical-align: text-bottom;">Residential mortgage pass-through securities</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">115,364</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">115,364</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 20pt; vertical-align: text-bottom;">Obligations of U.S. states and political subdivision</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">69,173</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">397</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">68,776</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 20pt; vertical-align: text-bottom;">Trust preferred securities</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">16,187</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">15,971</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">216</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 20pt; vertical-align: text-bottom;">Corporate bonds and notes</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">173,117</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">2,000</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">171,117</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 20pt; vertical-align: text-bottom;">Collateralized mortgage obligations</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1,899</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1,899</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 20pt; vertical-align: text-bottom;">Asset-backed securities</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">7,653</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">7,653</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 1pt solid; padding-left: 20pt; vertical-align: text-bottom;">Equity securities</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">6,145</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">6,145</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 3px double; padding-left: 30pt; vertical-align: text-bottom;">Securities available-for-sale</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">414,507</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">10,546</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">401,846</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">2,115</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;" rowspan="2">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" rowspan="2" colspan="3">December 31,<br />2010</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11">Fair Value Measurements at Reporting Date Using</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Quoted Prices<br />in Active<br />Markets for<br />Identical Assets<br />(Level 1)</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Significant<br />Other<br />Observable<br />Inputs<br />(Level 2)</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Significant<br />Unobservable<br />Inputs<br />(Level 3)</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="15"><font style="font-weight: normal;" class="_mt">(Dollars in Thousands)</font></td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Financial Instruments Measured at Fair Value on a Recurring Basis:<br /></td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 20pt; vertical-align: text-bottom;">U.S. Treasury and agency securities</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">6,995</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">6,995</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 20pt; vertical-align: text-bottom;">Federal agency obligations</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">68,481</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">68,481</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 20pt; vertical-align: text-bottom;">Mortgage backed securities</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">177,733</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">177,733</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 20pt; vertical-align: text-bottom;">Obligations of U.S. states and political subdivision</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">37,225</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">16,936</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">20,289</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 20pt; vertical-align: text-bottom;">Trust preferred securities</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">18,731</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">18,589</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">142</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 20pt; vertical-align: text-bottom;">Corporate bonds and notes</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">61,434</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">61,434</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 20pt; vertical-align: text-bottom;">Collateralized mortgage obligations</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">2,728</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">2,728</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 1pt solid; padding-left: 20pt; vertical-align: text-bottom;">Equity securities</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">4,753</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">4,753</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 3px double; padding-left: 30pt; vertical-align: text-bottom;">Securities available-for-sale</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">378,080</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">28,684</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">346,526</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">2,870</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The fair values used by the Corporation are obtained from an independent pricing service and represent either quoted market prices for the identical securities (Level 1 inputs) or fair values determined by pricing models using a market approach that considers observable market data, such as interest rate volatilities, LIBOR yield curve, credit spreads and prices from market makers and live trading systems (Level 2). The fair values of the federal agency obligations, obligations of states and political subdivision and corporate bonds and notes measured at fair value using Level 1 inputs at December 31, 2011 and 2010 represented the purchase price of the securities since they were acquired near year-end 2011 and 2010. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The following table presents the changes in securities available-for-sale with significant unobservable inputs (Level 3) for the year ended December 31, 2011 and December 31, 2010: </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2011</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2010</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7"><font style="font-weight: normal;" class="_mt">(Dollars in Thousands)</font></td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Beginning balance, January 1,</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">2,870</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">2,349</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Transfers into Level 3</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">8,197</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Transfers out of Level 3</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(5,174</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Principal interest deferrals</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">118</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">118</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Principal paydown</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(697</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(1,083</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Total net losses included in net income</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(3,000</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Total net unrealized (losses) gains</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">(176</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">1,463</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Ending balance, December 31,</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">2,115</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">2,870</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div>

<h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;">Assets Measured at Fair Value on a Non-Recurring Basis </h2>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">For assets measured at fair value on a non-recurring basis, the fair value measurements at December 31, 2011 are as follows: </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;" rowspan="2">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" rowspan="2" colspan="3">December 31,<br />2011</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11">Fair Value Measurements at Reporting Date Using</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Quoted Prices<br />in Active<br />Markets for<br />Identical Assets<br />(Level 1)</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Significant<br />Other<br />Observable<br />Inputs<br />(Level 2)</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Significant<br />Unobservable<br />Inputs<br />(Level 3)</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="15"><font style="font-weight: normal;" class="_mt">(Dollars in Thousands)</font></td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Assets Measured at Fair Value on a Non-Recurring Basis:<br /></td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 20pt; vertical-align: text-bottom;">Impaired loans</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">10,740</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">10,740</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="570">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;" rowspan="2">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" rowspan="2" colspan="3">December 31,<br />2010</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11">Fair Value Measurements at Reporting Date Using</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Quoted Prices<br />in Active<br />Markets for<br />Identical Assets<br />(Level 1)</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Significant<br />Other<br />Observable<br />Inputs<br />(Level 2)</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Significant<br />Unobservable<br />Inputs<br />(Level 3)</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="15"><font style="font-weight: normal;" class="_mt">(Dollars in Thousands)</font></td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Assets Measured at Fair Value on a Non-Recurring Basis:<br /></td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 20pt; vertical-align: text-bottom;">Impaired loans</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">4,895</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">4,895</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">At December 31, 2011 and 2010, impaired loans totaled $11,825,000 and $5,534,000, respectively. The amount of related valuation allowances was $1,085,000 at December 31, 2011 and $639,000 at December 31, 2010. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The following methods and assumptions were used to estimate the fair values of the Corporation's assets measured at fair value on a non-recurring basis at December 31, 2011 and 2010: </p>

<h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;">Impaired Loans </h3>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The value of an impaired loan is measured based upon the present value of expected future cash flows discounted at the loan's effective interest rate, or the fair value of the collateral if the loan is collateral dependent. Smaller balance homogeneous loans that are collectively evaluated for impairment, such as residential mortgage loans and installment loans, are specifically excluded from the impaired loan portfolio. The Corporation's impaired loans are primarily collateral dependent. Impaired loans are individually assessed to determine that each loan's carrying value is not in excess of the fair value of the related collateral or the present value of the expected future cash flows. </p>

<h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;">Other Real Estate Owned </h3>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Certain assets such as other real estate owned ("OREO") are measured at fair value less cost to sell. The Corporation believes that the fair value component in its valuation follows the provisions of FASB ASC 820-10-05. Fair value of OREO is determined by sales agreements or appraisals by qualified licensed appraisers approved and hired by the Corporation. Costs to sell associated with OREO is based on estimation per the terms and conditions of the sales agreements or appraisal. At December 31, 2011, the Corporation held approximately $591,000 fair value in OREO. </p>

<h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;">Fair Value of Financial Instruments </h3>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">FASB ASC 825-10 requires all entities to disclose the estimated fair value of their financial instrument assets and liabilities. For the Corporation, as for most financial institutions, the majority of its assets and liabilities are considered financial instruments as defined in FASB ASC 825-10. Many of the Corporation's financial instruments, however, lack an available trading market as characterized by a willing buyer and willing seller engaging in an exchange transaction. It is also the Corporation's general practice and intent to hold its financial instruments to maturity and to not engage in trading or sales activities except for loans held-for-sale and available-for-sale securities. Therefore, significant estimations and assumptions, as well as present value calculations, were used by the Corporation for the purposes of this disclosure. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Estimated fair values have been determined by the Corporation using the best available data and an estimation methodology suitable for each category of financial instruments. For those loans and deposits with floating interest rates, it is presumed that estimated fair values generally approximate the recorded book balances. The estimation methodologies used, the estimated fair values, and the recorded book balances at December 31, 2011 and 2010, were as follows: </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="15">December 31,</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7">2011</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7">2010</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Carrying Amount</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Fair Value</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Carrying Amount</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Fair Value</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="15"><font style="font-weight: normal;" class="_mt">(Dollars in Thousands)</font></td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">FINANCIAL ASSETS:<br /></td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Cash and cash equivalents</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">111,101</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">111,101</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">37,497</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">37,497</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Investment securities available-for-sale</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">414,507</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">414,507</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">378,080</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">378,080</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Investment securities held-to-maturity</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">72,233</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">74,922</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Net loans (including loans held for sale)</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">746,408</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">752,252</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">699,577</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">706,309</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Restricted investment in bank stocks</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">9,233</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">9,233</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">9,596</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">9,596</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Accrued interest receivable</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">6,219</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">6,219</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">4,134</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">4,134</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">FINANCIAL LIABILITIES:<br /></td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Non-interest-bearing deposits</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">167,164</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">167,164</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">144,210</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">144,210</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Interest-bearing deposits</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">954,251</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">928,777</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">716,122</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">716,887</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Federal funds purchased, securities sold under agreement to repurchase and FHLB advances</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">161,000</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">175,933</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">212,855</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">221,425</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Subordinated debentures</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">5,155</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">5,159</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">5,155</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">5,157</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Accrued interest payable</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">992</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">992</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1,041</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1,041</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Financial instruments actively traded in a secondary market have been valued using quoted available market prices. Cash and due from banks, interest-bearing time deposits in other banks, federal funds sold, and interest receivable are valued at book value, which approximates fair value. Financial liability instruments with stated maturities have been valued using a present value discounted cash flow analysis with a discount rate approximating current market for similar liabilities. Interest payable is valued at book value, which approximates fair value. Financial liability instruments with no stated maturities have an estimated fair value equal to both the amount payable on demand and the recorded book balance. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The fair value of the Corporation's investment securities held-to-maturity was primarily measured using information from a third-party pricing service. Quoted prices in active markets were used whenever available. If quoted prices were not available, fair values were measured using pricing models or other valuation techniques such as the present value of future cash flows, adjusted for credit loss assumptions. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Loans held for sale are required to be measured at the lower of cost or fair value. Under FASB ASC 820-10-05, market value is to represent fair value. Management obtains quotes or bids on all or part of these loans directly from the purchasing financial institutions. There was $1,018,000 in loans held for sale at December 31, 2011 and $333,000 at December 31, 2010. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The net loan portfolio has been valued using a present value discounted cash flow. The discount rate used in these calculations is the current rate at which similar loans would be made to borrowers with similar credit ratings, same remaining maturities, and assumed prepayment risk. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The fair value of commitments to originate loans is estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present creditworthiness of the counterparties. For fixed-rate loan commitments, fair value also considers the difference between current levels of interest rates and the committed rates. The fair values of letters of credit and lines of credit are based on fees currently charged for similar agreements or on the estimated cost to terminate or otherwise settle the obligations with the counterparties at the reporting date. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Changes in assumptions or estimation methodologies may have a material effect on these estimated fair values. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The Corporation's remaining assets and liabilities, which are not considered financial instruments, have not been valued differently than has been customary with historical cost accounting. No disclosure of the relationship value of the Corporation's core deposit base is required by FASB ASC 825-10. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Fair value estimates are based on existing balance sheet financial instruments, without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. For example, there are certain significant assets and liabilities that are not considered financial assets or liabilities, such as the brokerage network, deferred taxes, premises and equipment, and goodwill. In addition, the tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in the estimates. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Management believes that reasonable comparability between financial institutions may not be likely, due to the wide range of permitted valuation techniques and numerous estimates which must be made, given the absence of active secondary markets for many of the financial instruments. This lack of uniform valuation methodologies also introduces a greater degree of subjectivity to these estimated fair values.</p></div> </div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>Recent Accounting Pronouncements<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2011</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NewAccountingPronouncementsAndChangesInAccountingPrinciplesAbstract', window );"><strong>Recent Accounting Pronouncements</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountingChangesAndErrorCorrectionsTextBlock', window );">Recent Accounting Pronouncements</a></td>
        <td class="text"><div> <div style="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;" align="left">

<div style="min-width: 708px; text-align: center;">

<h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;">Note 2&nbsp;&#8212;&nbsp;Recent Accounting Pronouncements </h2>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">In April 2011, the FASB issued ASU No. 2011-03, <i>"Reconsideration of Effective Control for Repurchase Agreements."</i> ASU No. 2011-03 modifies the criteria for determining when repurchase agreements would be accounted for as a secured borrowing rather than as a sale. Currently, an entity that maintains effective control over transferred financial assets must account for the transfer as a secured borrowing rather than as a sale. The provisions of ASU No. 2011-03 removes from the assessment of effective control the criterion requiring the transferor to have the ability to repurchase or redeem the financial assets on substantially the agreed terms, even in the event of default by the transferee. The FASB believes that contractual rights and obligations determine effective control and that there does not need to be a requirement to assess the ability to exercise those rights. ASU No. 2011-03 does not change the other existing criteria used in the assessment of effective control. The provisions of ASU No. 2011-03 are effective prospectively for transactions, or modifications of existing transactions, that occur on or after January 1, 2012. As the Corporation accounts for all of its repurchase agreements as collateralized financing arrangements, the adoption of this ASU is not expected to have a material impact on the Corporation's statements of income and condition. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">In May 2011, the FASB issued ASU No. 2011-04, <i>"Amendments to Achieve Common Fair Value Measurement and Disclosure Requirements in U.S. GAAP and IFRSs."</i> ASU No. 2011-04 results in a consistent definition of fair value and common requirements for measurement of and disclosure about fair value between U.S. GAAP and International Financial Reporting Standards ("IFRS"). The changes to U.S. GAAP as a result of ASU No. 2011-04 are as follows: (1) The concepts of highest and best use and valuation premise are only relevant when measuring the fair value of nonfinancial assets (that is, it does not apply to financial assets or any liabilities); (2) U.S. GAAP currently prohibits application of a blockage factor in valuing financial instruments with quoted prices in active markets; ASU No. 2011-04 extends that prohibition to all fair value measurements; (3) An exception is provided to the basic fair value measurement principles for an entity that holds a group of financial assets and financial liabilities with offsetting positions in market risks or counterparty credit risk that are managed on the basis of the entity's net exposure to either of those risks; this exception allows the entity, if certain criteria are met, to measure the fair value of the net asset or liability position in a manner consistent with how market participants would price the net risk position; (4) Aligns the fair value measurement of instruments classified within an entity's shareholders' equity with the guidance for liabilities; and (5) Disclosure requirements have been enhanced for recurring Level 3 fair value measurements to disclose quantitative information about unobservable inputs and assumptions used, to describe the valuation processes used by the entity, and to describe the sensitivity of fair value measurements to changes in unobservable inputs and interrelationships between those inputs. In addition, entities must report the level in the fair value hierarchy of items that are not measured at fair value in the statement of condition but whose fair value must be disclosed. The provisions of ASU No. 2011-04 are effective for the Corporation's interim reporting period beginning on or after December 15, 2011. The adoption of ASU No. 2011-04 is not expected to have a material impact on the Corporation's statements of income or statements of condition. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">In June 2011, the FASB issued ASU No. 2011-05, "<i>Presentation of Comprehensive Income." </i>The provisions of ASU No. 2011-05 allow an entity the option to present the total of comprehensive income, the components of net income, and the components of other comprehensive income either in a single continuous statement of comprehensive income or in two separate but consecutive statements. In both choices, an entity is required to present each component of net income along with total net income, each component of other comprehensive income along with a total for other comprehensive income, and a total amount for comprehensive income. The statement(s) are required to be presented with equal prominence as the other primary financial statements. ASU No. 2011-05 eliminates the option to present the components of other comprehensive income as part of the statement of changes in shareholders' equity but does not change the items that must be reported in other comprehensive income or when an item of other comprehensive income must be reclassified to net income. The provisions of ASU No. 2011-05 are effective for the Corporation's interim reporting period beginning on or after December 15, 2011, with retrospective application required. The adoption of ASU No. 2011-05 is expected to result in presentation changes to the Corporation's statements of income and the addition of a statement of comprehensive income. The adoption of ASU No. 2011-05 will have no impact on the Corporation's statements of condition. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">In September 2011, the FASB issued ASU No. 2011-08, "<i>Intangibles &#8212; Goodwill and Other (Topic 350): Testing Goodwill for Impairment</i>", which permits an entity to first perform a qualitative assessment to determine whether it is more likely than not that the fair value of a reporting unit is less than its carrying amount. If an entity believes, as a result of its qualitative assessment, that it is more likely than not that the fair value of a reporting unit is less than its carrying amount, the quantitative impairment test is required. Otherwise, no further impairment testing is required. The provisions of ASU No. 2011-08 are effective for the Corporation's interim goodwill impairment tests performed for fiscal years beginning after December 15, 2011. Early adoption is permitted, provided that the entity has not yet performed its annual impairment test for goodwill. The Corporation performs its annual impairment test for goodwill in the fourth quarter of each year. The adoption of ASU No. 2011-08 is not expected to have a material impact on the Corporation's statements of income and statements of condition. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">In December 2011, the FASB issued ASU No. 2011-12, "<i>Comprehensive Income (Topic 220)</i>: <i>Deferral of the Effective Date for Amendments to the Presentation of Reclassifications of Items Out of Accumulated Other Comprehensive Income in Accounting Standards Update No. 2011-05</i>." The Update defers the specific requirement to present items that are reclassified from accumulated other comprehensive income to net income separately with their respective components of net income and other comprehensive income. The deferral comes after stakeholders raised concerns that the new presentation requirements about the reclassification of items out of accumulated other comprehensive income would be costly for preparers and add unnecessary complexity to financial statements. As a result of the concerns, the FASB decided to reconsider whether it is necessary to require companies to present reclassification adjustments, by component, in both the statement where net income is presented and the statement where other comprehensive income is presented for both interim and annual financial statements. The FASB did not defer the requirement to report comprehensive income either in a single continuous statement or in two separate, but consecutive, financial statements. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">In November 2008, the SEC released a proposed roadmap regarding the potential use by U.S. issuers of financial statements prepared in accordance with International Financial Reporting Standards ("IFRS"). IFRS is a comprehensive series of accounting standards published by the International Accounting Standards Board. Under the proposed roadmap, the Company may be required to prepare financial statements in accordance with IFRS as early as 2014. The Company is currently assessing the impact that this potential change would have on its consolidated financial statements, and it will continue to monitor the development of the potential implementation of IFRS. </p></div></div> </div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for reporting accounting changes and error corrections. It includes the conveyance of information necessary for a user of the Company's financial information to understand all aspects and required disclosure information concerning all changes and error corrections reported in the Company's financial statements for the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 250<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SAB TOPIC 1.N.Q3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6369664&amp;loc=d3e30840-122693<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 250<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 23<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6368906&amp;loc=d3e21914-107793<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 154<br><br> -Paragraph 17, 22, 25, 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 250<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6801783&amp;loc=d3e22499-107794<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 1<br><br> -Section N<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 250<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6801783&amp;loc=d3e22595-107794<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 250<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6801783&amp;loc=d3e22644-107794<br><br><br><br></p>
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    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Summary of Significant Accounting Policies<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountingPoliciesAbstract', window );"><strong>Summary of Significant Accounting Policies</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BasisOfPresentationAndSignificantAccountingPoliciesTextBlock', window );">Summary of Significant Accounting Policies</a></td>
        <td class="text"><div> <div style="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;" align="left">

<div style="min-width: 708px; text-align: center;">

<h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;">Note 1&nbsp;&#8212;&nbsp;Summary of Significant Accounting Policies </h2>

<h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;">Principles of Consolidation </h3>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The consolidated financial statements of Center Bancorp, Inc. (the "Parent Corporation") are prepared on the accrual basis and include the accounts of the Parent Corporation and its wholly owned subsidiary, Union Center National Bank (the "Bank", and collectively with the Parent Corporation and the Parent Corporation's other direct and indirect subsidiaries, the "Corporation"). All significant inter-company accounts and transactions have been eliminated from the accompanying consolidated financial statements. </p>

<h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;">Business </h3>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The Parent Corporation is a bank holding company whose principal activity is the ownership and management of Union Center National Bank as mentioned above. The Bank provides a full range of banking services to individual and corporate customers through branch locations in Union and Morris counties, New Jersey. Additionally, the Bank originates residential mortgage loans and services such loans for others. The Bank is subject to competition from other financial institutions and the regulations of certain federal and state agencies and undergoes periodic examinations by those regulatory authorities. </p>

<h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;">Basis of Financial Statement Presentation </h3>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The consolidated financial statements have been prepared in conformity with U.S. generally accepted accounting principles. </p>

<h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;">Use of Estimates </h3>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the statement of condition and revenues and expenses for the reported periods. Actual results could differ significantly from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, other-than-temporary impairment evaluation of securities, the evaluation of the impairment of goodwill, the income tax provision and the valuation of deferred tax assets. </p>

<h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;">Cash and Due from Banks </h3>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Cash and due from banks includes cash on hand and balances due from correspondent banks including the Federal Reserve Bank. </p>

<h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;">Investment Securities </h3>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The Corporation accounts for its investment securities in accordance with Financial Accounting Standards Board ("FASB") Accounting Standards Codification ("ASC") 320-10-05. Investments are classified into the following categories: (1) held to maturity securities, for which the Corporation has both the positive intent and ability to hold until maturity, which are reported at amortized cost; (2) trading securities, which are purchased and held principally for the purpose of selling in the near term and are reported at fair value with unrealized gains and losses included in earnings; and (3) available-for-sale securities, which do not meet the criteria of the other two categories and which management believes may be sold prior to maturity due to changes in interest rates, prepayment, risk, liquidity or other factors, and are reported at fair value, with unrealized gains and losses, net of applicable income taxes, reported as a component of accumulated other comprehensive income, which is included in stockholders' equity and excluded from earnings. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Investment securities are adjusted for amortization of premiums and accretion of discounts, which are recognized on a level yield method, as adjustments to interest income. Investment securities gains or losses are determined using the specific identification method. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Securities are evaluated on at least a quarterly basis, and more frequently when market conditions warrant such an evaluation, to determine whether a decline in their value is other-than-temporary. In April 2009, the FASB issued FASB ASC 320-10-65, which was adopted as of June 30, 2009. The accounting standard clarifies the interaction of the factors that should be considered when determining whether a debt security is other&#8211;than-temporarily impaired. For debt securities, management must assess whether (a) it has the intent to sell the security and (b) it is more likely than not that it will be required to sell the security prior to its anticipated recovery. These steps are done before assessing whether the entity will recover the cost basis of the investment. Prior to the June 30, 2009 adoption, this assessment required management to assert it has both the intent and the ability to hold a security for a period of time sufficient to allow for anticipated recovery in fair value to avoid recognizing an other-than-temporary impairment. This change does not affect the need to forecast recovery of the value of the security through either cash flows or market price. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">In instances when a determination is made that an other-than-temporary impairment exists but the investor does not intend to sell the debt security and it is not more likely than not that it will be required to sell the debt security prior to its anticipated recovery, FASB ASC 320-10-65 changes the presentation and amount of the other-than-temporary impairment recognized in the income statement. The other-than-temporary impairment is separated into (a) the amount of the total other-than-temporary impairment related to a decrease in cash flows expected to be collected from the debt security (the credit loss) and (b) the amount of the total other-than-temporary impairment related to all other factors. The amount of the total other-than-temporary impairment related to the credit loss is recognized through earnings. The amount of the total other-than-temporary impairment related to all other factors is recognized through other comprehensive income. Impairment charges on certain investment securities of approximately $0.3 million, $5.6 million and $4.2 million were recognized in earnings during the years ended December 31, 2011, 2010 and 2009, respectively. </p>

<h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;">Loans Held for Sale </h3>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Mortgage loans originated and intended for sale in the secondary market are carried at the lower of cost or estimated fair value or fair value under the fair value option accounting guidance for financial instruments. For loans carried at the lower of cost or estimated fair value, gains and losses on loan sales (sale proceeds minus carrying value) are recorded in other income and direct loan origination costs and fees are deferred at origination of the loan and are recognized in other income upon sale of the loan. The Corporation had $1,018,000 and $333,000 in loans held for sale at December 31, 2011 and 2010, respectively. </p>

<h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;">Loans </h3>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Loans are stated at their principal amounts inclusive of net deferred loan origination fees. Interest income is credited as earned except when a loan becomes past due 90 days or more and doubt exists as to the ultimate collection of interest or principal; in those cases the recognition of income is discontinued. Loans that are past due 90 days or more that are both well secured and in the process of collection will remain on an accruing basis. When a loan is placed on non-accrual status, interest accruals cease and uncollected accrued interest is reversed and charged against current income. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">In July 2010, the FASB issued Accounting Standards Update ("ASU") No. 2010-20 (FASB ASC 310), <i>"Disclosures about the Credit Quality of Financing Receivables and the Allowance for Credit Losses,"</i> which requires that the Corporation provide a greater level of disaggregated information about the credit quality of the Corporation's loans and leases and the allowance for loan and lease losses (the "Allowance"). This ASU also requires the Corporation to disclose on a prospective basis, additional information related to credit quality indicators, non-accrual loans and leases, and past due information. The Corporation adopted the provisions of this ASU in preparing the Consolidated Financial Statements as of and for the year ended December 31, 2010. As this ASU amends only the disclosure requirements for loans and leases and the Allowance, the adoption had no impact on the Corporation's statements of income and condition. See Note 5 of the Notes to the Consolidated Financial Statements for the required disclosures. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Portfolio segments are defined as the level at which an entity develops and documents a systematic methodology to determine its Allowance. Management has determined that the Corporation has two portfolio segments of loans and leases (commercial and consumer) in determining the Allowance. Both quantitative and qualitative factors are used by management at the portfolio segment level in determining the adequacy of the Allowance for the Corporation. Classes of loans and leases are a disaggregation of a Corporation's portfolio segments. Classes are defined as a group of loans and leases which share similar initial measurement attributes, risk characteristics, and methods for monitoring and assessing credit risk. Management has determined that the Corporation has five classes of loans and leases (commercial and industrial (including lease financing), commercial &#8212; real estate, construction, residential mortgage (including home equity) and installment). </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Generally, all classes of commercial and consumer loans and leases are placed on non-accrual status upon becoming contractually past due 90 days or more as to principal or interest (unless loans and leases are adequately secured by collateral, are in the process of collection, and are reasonably expected to result in repayment), when terms are renegotiated below market levels, or where substantial doubt about full repayment of principal or interest is evident. For certain installment loans, the entire outstanding balance on the loan is charged-off when the loan becomes 60 days past due. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Payments received on non-accrual loans are applied against principal. A loan may only be restored to an accruing basis when it again becomes well secured and in the process of collection or all past due amounts have been collected. Loan origination fees and certain direct loan origination costs are deferred and recognized over the life of the loan as an adjustment to the loan's yield using the level yield method. </p>

<h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 24px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;">Impaired Loans </h3>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The Corporation accounts for impaired loans in accordance with FASB ASC 310-10-35. The value of an impaired loan is based on the present value of expected future cash flows discounted at the loan's effective interest rate or, as a practical expedient, at the loan's observable market price or at the fair value of the collateral if the loan is collateral dependent. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The Corporation has defined its population of impaired loans to include all non-accrual and troubled debt restructuring loans. As part of the evaluation, the Corporation reviews all non-homogeneous loans for impairment internally classified as substandard or below, in each instance above an established dollar threshold of $200,000. Smaller impaired non-homogeneous loans and impaired homogeneous loans are not measured for specific reserves and are covered under the Corporation's general reserve. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">A loan is considered impaired when, based on current information and events, it is probable that the Corporation will not be able to collect all amounts due from the borrower in accordance with the contractual terms of the loan, including scheduled interest payments. Impaired loans include all classes of commercial and consumer non-accruing loans and all loans modified in a troubled debt restructuring ("TDR"). </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">When a loan has been identified as being impaired, the amount of impairment is measured based on the present value of expected future cash flows discounted at the loan's effective interest rate, the loan's observable market price, or the estimated fair value of the collateral, less any selling costs, if the loan is collateral-dependent. If the measurement of the impaired loan is less than the recorded investment in the loan (including accrued interest, net of deferred loan fees or costs and unamortized premiums or discounts), an impairment is recognized by creating or adjusting an existing allocation of the Allowance, or by recording a partial charge-off of the loan to its fair value. Interest payments made on impaired loans are typically applied to principal unless collectability of the principal amount is reasonably assured, in which case interest income may be accrued or recognized on a cash basis. </p>

<h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;">Loans Modified in a Troubled Debt Restructuring </h3>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Loans are considered to have been modified in a TDR when due to a borrower's financial difficulties, the Corporation makes certain concessions to the borrower that it would not otherwise consider. Modifications may include interest rate reductions, principal or interest forgiveness, forbearance, and other actions intended to minimize economic loss and to avoid foreclosure or repossession of collateral. Generally, a non-accrual loan that has been modified in a TDR remains on non-accrual status for a period of six months to demonstrate that the borrower is able to meet the terms of the modified loan. However, performance prior to the modification, or significant events that coincide with the modification, are included in assessing whether the borrower can meet the new terms and may result in the loan being returned to accrual status at the time of loan modification or after a shorter performance period. If the borrower's ability to meet the revised payment schedule is uncertain, the loan remains on non-accrual status. </p>

<h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;">Reserve for Credit Losses </h3>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">A consequence of lending activities is that the Corporation may incur losses. The amount of such losses will vary depending upon the risk characteristics of the loan and lease portfolio as affected by economic conditions such as rising interest rates and the financial performance of borrowers. The Corporation's reserve for credit losses is comprised of two components, the allowance for loan losses and the reserve for unfunded commitments (the "Unfunded Commitments"). The reserve for credit losses provides for credit losses inherent in lending or commitments to lend and is based on loss estimates derived from a comprehensive quarterly evaluation, reflecting analyses of individual borrowers and historical loss experience, supplemented as necessary by credit judgment to address observed changes in trends, conditions, and other relevant environmental and economic factors. </p>

<h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;">Allowance for Loan Losses </h3>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The allowance for loan losses ("allowance") is maintained at a level determined adequate to provide for probable loan losses. The allowance is increased by provisions charged to operations and reduced by loan charge-offs, net of recoveries. The allowance is based on management's evaluation of the loan portfolio considering economic conditions, the volume and nature of the loan portfolio, historical loan loss experience and individual credit situations. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Material estimates that are particularly susceptible to significant change in the near-term relate to the determination of the allowance for loan losses. In connection with the determination of the allowance for loan losses, management obtains independent appraisals for significant properties. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The ultimate collectability of a substantial portion of the Bank's loan portfolio is susceptible to changes in the real estate market and economic conditions in the State of New Jersey and the impact of such conditions on the creditworthiness of the borrowers. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Management believes that the allowance for loan losses is adequate. Management uses available information to recognize loan losses; however, future additions to the allowance may be necessary based on changes in economic conditions. In addition, various regulatory agencies, as an integral part of their examination process, periodically review the Bank's allowance for loan losses. Such agencies may require the Bank to recognize additions to the allowance based on their judgments about information available to them at the time of their examinations. </p>

<h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;">Reserve for Unfunded Commitments </h3>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The reserve for unfunded commitments is maintained at a level believed by management to be sufficient to absorb estimated probable losses related to unfunded credit facilities and is included in other liabilities in the consolidated statements of condition. The determination of the adequacy of the reserve is based upon an evaluation of the unfunded credit facilities, including an assessment of historical commitment utilization experience, and credit risk. Net adjustments to the reserve for unfunded commitments are included in other expense. </p>

<h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;">Premises and Equipment </h3>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Land is carried at cost and bank premises and equipment at cost less accumulated depreciation based on estimated useful lives of assets, computed principally on a straight-line basis. Expenditures for maintenance and repairs are charged to operations as incurred; major renewals and betterments are capitalized. Gains and losses on sales or other dispositions are recorded as a component of other income or other expenses. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">During the second quarter of 2010, the Corporation entered into a lease of its former operations facility under a direct financing lease. The lease has a 15 year term with no renewal options. According to the terms of the lease, the lessee has an obligation to purchase the property underlying the lease in either year seven (7), ten (10) or fifteen (15) at predetermined prices for those years as provided in the lease. The structure of the minimum lease payments and the purchase prices as provided in the lease provide an inducement to the lessee to purchase the property in year seven (7). </p>

<h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;">Other Real Estate Owned </h3>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Other real estate owned ("OREO"), representing property acquired through foreclosure and held for sale, are initially recorded at fair value less cost to sell at the date of foreclosure, establishing a new cost basis. Subsequently, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less cost to sell. Costs relating to holding the assets are charged to expenses. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">During the fourth quarter of 2011, the Corporation sold one commercial property and one residential property in Union County, New Jersey which were carried as OREO. During the fourth quarter of 2010, the Corporation sold one residential property in Morris County, New Jersey, and one residential property in Union County, New Jersey which were carried as OREO. At December 31, 2011 and 2010, the Corporation had $591,000 and $0, in OREO, respectively. </p>

<h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;">Mortgage Servicing </h3>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The Corporation performs various servicing functions on loans owned by others. A fee, usually based on a percentage of the outstanding principal balance of the loan, is received for those services. At December 31, 2011 and 2010, the Corporation was servicing approximately $8.9 million and $5.3 million, respectively, of loans for others. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The Corporation accounts for its servicing of financial assets in accordance with FASB ASC 860-50. The Corporation originates mortgages under plans to sell those loans and service the loans owned by the investor. The Corporation records mortgage servicing rights and the loans based on relative fair values at the date of sale. The balance of mortgage servicing rights at December 31, 2011 and 2010 are immaterial to the Corporation's consolidated financial statements. </p>

<h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;">Employee Benefit Plans </h3>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The Corporation has a non-contributory pension plan covering all eligible employees up until September 30, 2007, at which time the Corporation froze its defined benefit pension plan. As such, all future benefit accruals in this pension plan were discontinued and all retirement benefits that employees would have earned as of September 30, 2007 were preserved. The Corporation's policy is to fund at least the minimum contribution required by the Employee Retirement Income Security Act of 1974. The costs associated with the plan are accrued based on actuarial assumptions and included in other expense. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The Corporation accounts for its defined benefit pension plan in accordance with FASB ASC 715-30. FASB ASC 715-30 requires that the funded status of defined benefit postretirement plans be recognized on the Corporation's statement of condition and changes in the funded status be reflected in other comprehensive income. FASB ASC 715-30 also requires companies to measure the funded status of the plan as of the date of its fiscal year-end. </p>

<h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;">Stock-Based Compensation </h3>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Stock compensation accounting guidance (FASB ASC 718, "Compensation-Stock Compensation") requires that the compensation cost related to share-based payment transactions be recognized in financial statements. That cost will be measured based on the grant date fair value of the equity or liability instruments issued. The stock compensation accounting guidance covers a wide range of share-based compensation arrangements including stock options, restricted share plans, performance-based awards, share appreciation rights and employee share purchase plans. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Stock compensation accounting guidance requires that compensation cost for all stock awards be calculated and recognized over the employees' service period, generally defined as the vesting period. For awards with graded-vesting, compensation cost is recognized on a straight-line basis over the requisite service period for the entire award. A Black-Scholes model is used to estimate the fair value of stock options while the market price of the Corporation's common stock at the date of grant is used for restricted stock awards. See Note 16 of the Notes to Consolidated Financial Statements for a further discussion. </p>

<h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;">Earnings per Share </h3>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Basic Earnings per Share ("EPS") is computed by dividing income available to common shareholders by the weighted-average number of common shares outstanding. Diluted EPS includes any additional common shares as if all potentially dilutive common shares were issued (e.g. stock options). The Corporation's weighted average common shares outstanding for diluted EPS include the effect of stock options outstanding using the Treasury Stock Method, which are not included in the calculation of basic EPS. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Earnings per common share have been computed based on the following: </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11">Years Ended December 31,</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2011</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2010</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2009</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11"><font style="font-weight: normal;" class="_mt">(In Thousands, Except per Share Amounts)</font></td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Net income</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">13,926</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">7,004</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">3,771</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Preferred stock dividends and accretion</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">820</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">581</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">567</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Net income available to common stockholders</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">13,106</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">6,423</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">3,204</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Average number of common shares outstanding</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">16,296</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">15,026</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">13,383</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 1pt solid; padding-left: 20pt; vertical-align: text-bottom;">Effect of dilutive options</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">19</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">1</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">2</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Average number of common shares outstanding used to calculate diluted earnings per common share</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">16,315</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">15,027</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">13,385</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Earnings per common share:<br /></td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 20pt; vertical-align: text-bottom;">Basic</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">0.80</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">0.43</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">0.24</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 20pt; vertical-align: text-bottom;">Diluted</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">0.80</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">0.43</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">0.24</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div>

<h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;">Treasury Stock </h3>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The Parent Corporation, under a stock buyback program last amended on June 26, 2008, is authorized to buy back up to 2,039,731 shares of the Parent Corporation's common stock. Subject to limitations applicable to the Corporation, purchases may be made from time to time as, in the opinion of management, market conditions warrant, in the open market or in privately negotiated transactions. Shares repurchased will be added to the corporate treasury and will be used for future stock dividends and other issuances. As of December 31, 2011, Center Bancorp had 16.3 million shares of common stock outstanding. As of December 31, 2011, the Parent Corporation had purchased 1,386,863 common shares at an average cost per share of $11.44 under the stock buyback program as amended on October 1, 2007 and June 26, 2008. The repurchased shares were recorded as treasury stock, which resulted in a decrease in stockholders' equity. Treasury stock is recorded using the cost method and accordingly is presented as a reduction of stockholders' equity. During the years ended December 31, 2011, 2010 and 2009, the Parent Corporation did not purchase any of its shares. </p>

<h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;">Goodwill </h3>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The Corporation adopted the provisions of FASB ASC 350-10 (previously SFAS No. 142, "Goodwill and Other Intangible Assets"), which requires that goodwill be tested for impairment annually, or more frequently if impairment indicators arise for impairment. No impairment charge was deemed necessary for the years ended December 31, 2011, 2010 and 2009. </p>

<h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;">Comprehensive Income </h3>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Total comprehensive income includes all changes in equity during a period from transactions and other events and circumstances from non-owner sources. The Corporation's other comprehensive income is comprised of unrealized holding gains and losses on securities available-for-sale and unrecognized actuarial gains and losses of the Corporation's defined benefit pension plan, net of taxes. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Disclosure of comprehensive income for the years ended December 31, 2011, 2010 and 2009 is presented in the Consolidated Statements of Changes in Stockholders' Equity and presented in detail in Note 14 of the Notes to Consolidated Financial Statements. </p>

<h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;">Bank-Owned Life Insurance </h3>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The Corporation invests in Bank-Owned Life Insurance ("BOLI") to help offset the rising cost of employee benefits. During the 3rd quarter of 2010 the Corporation redeemed BOLI policies for proceeds of $5.6 million and purchased additional BOLI policies of $6.0 million. In conjunction with the redemption, the Corporation recorded a tax expense of $633,000. The change in the cash surrender value of the BOLI is recorded as a component of other income. </p>

<h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;">Income Taxes </h3>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The Corporation recognizes deferred tax assets and liabilities for the expected future tax consequences of events that have been included in the financial statements or tax returns. Under this method, deferred tax assets and liabilities are determined based on the difference between financial statement and tax bases of assets and liabilities, using enacted tax rates expected to be applied to taxable income in the years in which the differences are expected to be settled. Income tax-related interest and penalties are classified as a component of income tax expense. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">ASC Topic 740, <i>Taxes, </i>provides clarification on accounting for uncertainty in income taxes recognized in an enterprise's financial statements and prescribes a recognition threshold and measurement attribute for the financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return. The Corporation has not identified any income tax uncertainties. </p>

<h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;">Advertising Costs </h3>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The Corporation recognizes its marketing and advertising cost as incurred. Advertising costs were $131,000, $268,000 and $366,000 for the years ended December 31, 2011, 2010 and 2009, respectively. </p>

<h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;">Reclassifications </h3>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Certain reclassifications have been made in the consolidated financial statements for 2010 and 2009 to conform to the classifications presented in 2011. </p></div></div> </div><span></span></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BasisOfPresentationAndSignificantAccountingPoliciesTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for the basis of presentation, or accounting, and significant accounting policies.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_BasisOfPresentationAndSignificantAccountingPoliciesTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
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</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>32
<FILENAME>R2.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EQSAG">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>Consolidated Statements of Condition (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2010</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsAbstract', window );"><strong>ASSETS</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndDueFromBanks', window );">Cash and due from banks</a></td>
        <td class="nump">$ 111,101<span></span></td>
        <td class="nump">$ 37,497<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Securities available-for-sale</a></td>
        <td class="nump">414,507<span></span></td>
        <td class="nump">378,080<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecurities', window );">Securities held-to-maturity (fair value of $74,922 and $0)</a></td>
        <td class="nump">72,233<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans</a></td>
        <td class="nump">756,010<span></span></td>
        <td class="nump">708,444<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Less: Allowance for loan losses</a></td>
        <td class="nump">9,602<span></span></td>
        <td class="nump">8,867<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmount', window );">Net loans</a></td>
        <td class="nump">746,408<span></span></td>
        <td class="nump">699,577<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RestrictedInvestments', window );">Restricted investment in bank stocks, at cost</a></td>
        <td class="nump">9,233<span></span></td>
        <td class="nump">9,596<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentNet', window );">Premises and equipment, net</a></td>
        <td class="nump">12,327<span></span></td>
        <td class="nump">12,937<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestReceivable', window );">Accrued interest receivable</a></td>
        <td class="nump">6,219<span></span></td>
        <td class="nump">4,134<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BankOwnedLifeInsurance', window );">Bank owned life insurance</a></td>
        <td class="nump">28,943<span></span></td>
        <td class="nump">27,905<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Goodwill', window );">Goodwill and other intangible assets</a></td>
        <td class="nump">16,902<span></span></td>
        <td class="nump">16,959<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PrepaidInsurance', window );">Prepaid FDIC assesment</a></td>
        <td class="nump">1,884<span></span></td>
        <td class="nump">3,582<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherRealEstate', window );">Other real estate owned</a></td>
        <td class="nump">591<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherAssets', window );">Other assets</a></td>
        <td class="nump">12,390<span></span></td>
        <td class="nump">17,118<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">Total assets</a></td>
        <td class="nump">1,432,738<span></span></td>
        <td class="nump">1,207,385<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAbstract', window );"><strong>LIABILITIES AND STOCKHOLDERS' EQUITY</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestBearingDepositLiabilitiesDomestic', window );">Deposits: Non-interest-bearing</a></td>
        <td class="nump">167,164<span></span></td>
        <td class="nump">144,210<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDeposits100000OrMore', window );">Deposits: Interest-bearing: Time deposits $100 and over</a></td>
        <td class="nump">137,998<span></span></td>
        <td class="nump">119,651<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositsLessThan100000', window );">Deposits: Interest-bearing: Interest-bearing transaction, savings and time deposits less than $100</a></td>
        <td class="nump">816,253<span></span></td>
        <td class="nump">596,471<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Deposits', window );">Total deposits</a></td>
        <td class="nump">1,121,415<span></span></td>
        <td class="nump">860,332<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermBorrowings', window );">Short-term borrowings</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">41,855<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesLongTerm', window );">Long-term borrowings</a></td>
        <td class="nump">161,000<span></span></td>
        <td class="nump">171,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SubordinatedDebt', window );">Subordinated debentures</a></td>
        <td class="nump">5,155<span></span></td>
        <td class="nump">5,155<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent', window );">Accounts payable and accrued liabilities</a></td>
        <td class="nump">9,252<span></span></td>
        <td class="nump">8,086<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Liabilities', window );">Total liabilities</a></td>
        <td class="nump">1,296,822<span></span></td>
        <td class="nump">1,086,428<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract', window );"><strong>Stockholders' Equity</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockValue', window );">Preferred Stock, $1,000 liquidation value per share: Authorized 5,000,000 shares; issued and outstanding 11,250 shares of Series B preferred stock at December 31, 2011 and 10,000 shares of Series A preferred stock at December 31, 2010</a></td>
        <td class="nump">11,250<span></span></td>
        <td class="nump">9,700<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockValue', window );">Common stock, no par value: Authorized 25,000,000 shares; issued 18,477,412 shares at December 31, 2011 and 2010; outstanding 16,332,327 shares at December 31, 2011 and 16,289,832 at December 31, 2010</a></td>
        <td class="nump">110,056<span></span></td>
        <td class="nump">110,056<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdditionalPaidInCapital', window );">Additional paid-in capital</a></td>
        <td class="nump">4,715<span></span></td>
        <td class="nump">4,941<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RetainedEarningsAccumulatedDeficit', window );">Retained earnings</a></td>
        <td class="nump">32,695<span></span></td>
        <td class="nump">21,633<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockValue', window );">Treasury stock, at cost (2,145,085 shares at December 31, 2011 and 2,187,580 at December 31, 2010)</a></td>
        <td class="num">(17,354)<span></span></td>
        <td class="num">(17,698)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax', window );">Accumulated other comprehensive loss</a></td>
        <td class="num">(5,446)<span></span></td>
        <td class="num">(7,675)<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest', window );">Total stockholders' equity</a></td>
        <td class="nump">135,916<span></span></td>
        <td class="nump">120,957<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquity', window );">Total liabilities and stockholders' equity</a></td>
        <td class="nump">$ 1,432,738<span></span></td>
        <td class="nump">$ 1,207,385<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of the carrying values as of the balance sheet date of obligations incurred through that date, including liabilities incurred and payable to vendors for goods and services received, taxes, interest, rent and utilities, compensation costs, payroll taxes and fringe benefits (other than pension and postretirement obligations), contractual rights and obligations, and statutory obligations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Article 9<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 15<br><br><br><br> -Subparagraph 1, 5<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Article 7<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 15<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-03.15)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.15(1),(5))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Accumulated change in equity from transactions and other events and circumstances from non-owner sources, net of tax effect, at period end. Excludes Net Income (Loss), and accumulated changes in equity from transactions resulting from investments by owners and distributions to owners. Includes foreign currency translation items, certain pension adjustments, unrealized gains and losses on certain investments in debt and equity securities, other than temporary impairment (OTTI) losses related to factors other than credit losses on available-for-sale and held-to-maturity debt securities that an entity does not intend to sell and it is not more likely than not that the entity will be required to sell before recovery of the amortized cost basis, as well as changes in the fair value of derivatives related to the effective portion of a designated cash flow hedge.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 13<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e653-108580<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 130<br><br><br><br> -Paragraph 14, 17, 26<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 31<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Accounting Principles Board Opinion (APB)<br><br><br><br> -Number 12<br><br><br><br> -Paragraph 10<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name FASB Staff Position (FSP)<br><br><br><br> -Number FAS115-1/124-1<br><br><br><br> -Paragraph 15D<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 11<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e637-108580<br><br><br><br><br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Article 3<br><br><br><br><br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 14<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e681-108580<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdditionalPaidInCapital">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Excess of issue price over par or stated value of the entity's capital stock and amounts received from other transactions involving the entity's stock or stockholders. Includes adjustments to additional paid in capital. Some examples of such adjustments include recording the issuance of debt with a beneficial conversion feature and certain tax consequences of equity instruments awarded to employees. Use this element for the aggregate amount of additional paid-in capital associated with common and preferred stock. For additional paid-in capital associated with only common stock, use the element additional paid in capital, common stock. For additional paid-in capital associated with only preferred stock, use the element additional paid in capital, preferred stock.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 31<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.30(a)(1))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AdditionalPaidInCapital</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Assets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of the carrying amounts as of the balance sheet date of all assets that are recognized. Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Article 7<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 12<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br> -Section S99<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Publisher FASB<br><br><br><br> -Paragraph 1<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Concepts (CON)<br><br><br><br> -Number 6<br><br><br><br> -Paragraph 25<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 18<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.18)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_Assets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AssetsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AssetsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For an unclassified balance sheet, this item represents investments in debt and equity securities which are categorized neither as held-to-maturity nor trading.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 320<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26610-111562<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 115<br><br><br><br> -Paragraph 12<br><br><br><br> -Subparagraph b<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name FASB Staff Position (FSP)<br><br><br><br> -Number FAS115-1/124-1<br><br><br><br> -Paragraph 15E<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 133<br><br><br><br> -Paragraph 22<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name FASB Staff Position (FSP)<br><br><br><br> -Number FAS115-1/124-1<br><br><br><br> -Paragraph 15D<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 115<br><br><br><br> -Paragraph 13<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name FASB Staff Position (FSP)<br><br><br><br> -Number FAS115-1/124-1<br><br><br><br> -Paragraph 15C<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 115<br><br><br><br> -Paragraph 14<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 115<br><br><br><br> -Paragraph 16<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 320<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 25<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (b)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6379932&amp;loc=d3e22054-111558<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BankOwnedLifeInsurance">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The carrying amount of a life insurance policy on an officer, executive or employee for which the reporting entity (a bank) is entitled to proceeds from the policy upon death of the insured or surrender of the insurance policy.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.10)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Audit and Accounting Guide (AAG)<br><br><br><br> -Number AAG-DEP<br><br><br><br> -Chapter 12<br><br><br><br> -Paragraph 9<br><br><br><br> -IssueDate 2006-05-01<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher OTS<br><br><br><br> -Name Federal Regulation (FR)<br><br><br><br> -Number Title 12<br><br><br><br> -Chapter V<br><br><br><br> -Section 563c.102<br><br><br><br> -Paragraph 12<br><br><br><br> -Subsection I<br><br><br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 10<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_BankOwnedLifeInsurance</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndDueFromBanks">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For banks and other depository institutions: Includes cash on hand (currency and coin), cash items in process of collection, noninterest bearing deposits due from other financial institutions (including corporate credit unions), and noninterest bearing balances with the Federal Reserve Banks, Federal Home Loan Banks and central banks.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Cash<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506951<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Cash Equivalents<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6507016<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 95<br><br><br><br> -Paragraph 8, 9<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.1)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Audit and Accounting Guide (AAG)<br><br><br><br> -Number AAG-DEP<br><br><br><br> -Chapter 6<br><br><br><br> -Paragraph 1, 2, 3, 7, 11<br><br><br><br> -IssueDate 2006-05-01<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 1, 2, 3<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CashAndDueFromBanks</nobr></td>
                  </tr>
                  <tr>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Aggregate par or stated value of issued nonredeemable common stock (or common stock redeemable solely at the option of the issuer). This item includes treasury stock repurchased by the entity. Note: elements for number of nonredeemable common shares, par value and other disclosure concepts are in another section within stockholders' equity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 30<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.29)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CommonStockValue</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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            </div>
          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Deposits">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate of all deposit liabilities held by the entity, including foreign and domestic, interest and noninterest bearing; may include demand deposits, saving deposits, Negotiable Order of Withdrawal (NOW) and time deposits among others.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 12<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Audit and Accounting Guide (AAG)<br><br><br><br> -Number AAG-DEP<br><br><br><br> -Chapter 13<br><br><br><br> -Paragraph 37, 38, 39<br><br><br><br> -IssueDate 2006-05-01<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.12)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_Deposits</nobr></td>
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                    <td>credit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesLongTerm">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Including both current and noncurrent portions, Federal Home Loan Bank borrowings initially due beyond one year or beyond the normal operating cycle if longer.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.16)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Statement of Position (SOP)<br><br><br><br> -Number 01-6<br><br><br><br> -Paragraph 14<br><br><br><br> -Subparagraph f<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 16<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Audit and Accounting Guide (AAG)<br><br><br><br> -Number AAG-DEP<br><br><br><br> -Chapter 15<br><br><br><br> -Paragraph 37<br><br><br><br> -IssueDate 2006-05-01<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 470<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479336&amp;loc=d3e64702-112823<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 47<br><br><br><br> -Paragraph 10<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher OTS<br><br><br><br> -Name Federal Regulation (FR)<br><br><br><br> -Number Title 12<br><br><br><br> -Chapter V<br><br><br><br> -Section 563c.102<br><br><br><br> -Paragraph 15, 18<br><br><br><br> -Subsection I<br><br><br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 470<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FederalHomeLoanBankAdvancesLongTerm</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Goodwill">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Carrying amount as of the balance sheet date, which is the cumulative amount paid and (if applicable) the fair value of any noncontrolling interest in the acquiree, adjusted for any amortization recognized prior to the adoption of any changes in generally accepted accounting principles (as applicable) and for any impairment charges, in excess of the fair value of net assets acquired in one or more business combination transactions.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 142<br><br><br><br> -Paragraph 45<br><br><br><br> -Subparagraph e<br><br><br><br> -Clause 1<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 142<br><br><br><br> -Paragraph 43<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 141R<br><br><br><br> -Paragraph 68<br><br><br><br> -Subparagraph l<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 142<br><br><br><br> -Paragraph 45<br><br><br><br> -Subparagraph e<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 141R<br><br><br><br> -Paragraph 34<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 350<br><br><br><br> -SubTopic 20<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6905597&amp;loc=d3e13816-109267<br><br><br><br><br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 350<br><br><br><br> -SubTopic 20<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6388280&amp;loc=d3e13770-109266<br><br><br><br><br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 141R<br><br><br><br> -Paragraph 72<br><br><br><br> -Subparagraph d<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_Goodwill</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
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            </div>
          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For an unclassified balance sheet, this item represents investments in debt securities which are categorized as held-to-maturity. The held-to-maturity category is for those securities that the entity has the positive intent and ability to hold until maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-03.1)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 115<br><br><br><br> -Paragraph 10<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 115<br><br><br><br> -Paragraph 17<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 115<br><br><br><br> -Paragraph 9<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Accounting Research Bulletin (ARB)<br><br><br><br> -Number 43<br><br><br><br> -Section A<br><br><br><br> -Paragraph 4<br><br><br><br> -Chapter 3<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 115<br><br><br><br> -Paragraph 8<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 115<br><br><br><br> -Paragraph 19<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Accounting Research Bulletin (ARB)<br><br><br><br> -Number 43<br><br><br><br> -Chapter 3<br><br><br><br> -Section A<br><br><br><br> -Paragraph 5<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 115<br><br><br><br> -Paragraph 11<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 320<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 25<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (c)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6379932&amp;loc=d3e22054-111558<br><br><br><br><br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 115<br><br><br><br> -Paragraph 7<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 12: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.6)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_HeldToMaturitySecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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              </div>
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          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestReceivable">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Carrying amount as of the balance sheet date of interest earned but not received. Also called accrued interest or accrued interest receivable.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 8<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.8)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestReceivable</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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            </div>
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        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Liabilities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of the carrying amounts as of the balance sheet date of all liabilities that are recognized. Liabilities are probable future sacrifices of economic benefits arising from present obligations of an entity to transfer assets or provide services to other entities in the future.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.19-26)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_Liabilities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LiabilitiesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LiabilitiesAbstract</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LiabilitiesAndStockholdersEquity">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total of all Liabilities and Stockholders' Equity items (or Partners' Capital, as applicable), including the portion of equity attributable to noncontrolling interests, if any.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 32<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.32)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Article 7<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 25<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LiabilitiesAndStockholdersEquity</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableAllowance">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The allowance for loan and lease losses represents the reserve to cover probable credit losses related to specifically identified loans and leases, as well as probable credit losses inherent in the remainder of the loan portfolio as of the balance sheet date. For banks, include currently required allocated transfer risk reserves. Include carryover of or adjustments to the allowance for loan losses in connection with business combinations determined to be appropriate.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher OTS<br><br><br><br> -Name Federal Regulation (FR)<br><br><br><br> -Number Title 12<br><br><br><br> -Chapter V<br><br><br><br> -Section 563c.102<br><br><br><br> -Paragraph 8<br><br><br><br> -Subparagraph a(ii)<br><br><br><br> -Subsection I<br><br><br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Staff Accounting Bulletin (SAB)<br><br><br><br> -Number Topic 6<br><br><br><br> -Section L<br><br><br><br> -Subsection 1<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 114<br><br><br><br> -Paragraph 20<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.7(d))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Article 9<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 7<br><br><br><br> -Subparagraph d<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 5<br><br><br><br> -Paragraph 8, 9<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 30<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (b)(1)(ii)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6379141&amp;loc=d3e15032-111544<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableAllowance</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the aggregate gross carrying amount of all categories of loans and leases held in portfolio, prior to deducting deferred income and the allowance for losses on loans and leases.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Statement of Position (SOP)<br><br><br><br> -Number 01-6<br><br><br><br> -Paragraph 13<br><br><br><br> -Subparagraph e<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6375948&amp;loc=d3e4428-111522<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableGrossCarryingAmount</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableNetReportedAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the aggregate carrying amount of all categories of loans and leases held in portfolio, net of unearned income and the allowance for losses on loans and leases.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Statement of Position (SOP)<br><br><br><br> -Number 01-6<br><br><br><br> -Paragraph 13<br><br><br><br> -Subparagraph e<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6375948&amp;loc=d3e4428-111522<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.7)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableNetReportedAmount</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestBearingDepositLiabilitiesDomestic">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of domestic noninterest-bearing deposits held by the entity, which may include demand deposits, checking, brokered and retail deposits.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 12<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.12)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NoninterestBearingDepositLiabilitiesDomestic</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate carrying amounts, as of the balance sheet date, of assets not separately disclosed in the balance sheet.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 17<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Article 7<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 10<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.17)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherRealEstate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Carrying amount as of the balance sheet date of other real estate, which may include real estate investments, real estate loans that qualify as investments in real estate, and premises that are no longer used in operations may also be included in real estate owned. This does not include real estate assets taken in settlement of troubled loans through surrender or foreclosure.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Audit and Accounting Guide (AAG)<br><br><br><br> -Number AAG-DEP<br><br><br><br> -Chapter 11<br><br><br><br> -Paragraph 12-18<br><br><br><br> -IssueDate 2006-05-01<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.10(4))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherRealEstate</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Aggregate par or stated value of issued nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer). This item includes treasury stock repurchased by the entity. Note: elements for number of nonredeemable preferred shares, par value and other disclosure concepts are in another section within stockholders' equity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 129<br><br><br><br> -Paragraph 2, 3, 4, 5, 6, 7, 8<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 505<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.3-04)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6959260&amp;loc=d3e187085-122770<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Accounting Principles Board Opinion (APB)<br><br><br><br> -Number 12<br><br><br><br> -Paragraph 10<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.28)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Article 3<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Article 5<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 29<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PreferredStockValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PrepaidInsurance">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Carrying amount as of the balance sheet date of unamortized costs of insurance coverage, which will be charged against earnings ratably over the period in which contractually agreed upon coverage's will be in effect; such periods expire within one year or the normal operating cycle, if longer.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (g)(1)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6361293&amp;loc=d3e6676-107765<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 340<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 05<br><br><br><br> -Paragraph 5<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6386993&amp;loc=d3e5879-108316<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Accounting Research Bulletin (ARB)<br><br><br><br> -Number 43<br><br><br><br> -Section A<br><br><br><br> -Paragraph 4<br><br><br><br> -Chapter 3<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 340<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 05<br><br><br><br> -Paragraph 4<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6386993&amp;loc=d3e5865-108316<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Current Assets<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6509628<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6361293&amp;loc=d3e6787-107765<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PrepaidInsurance</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tangible assets that are held by an entity for use in the production or supply of goods and services, for rental to others, or for administrative purposes and that are expected to provide economic benefit for more than one year; net of accumulated depreciation. Examples include land, buildings, machinery and equipment, and other types of furniture and equipment including, but not limited to, office equipment, furniture and fixtures, and computer equipment and software.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.13)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Article 7<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 8<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 13<br><br><br><br> -Subparagraph a<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 12<br><br><br><br> -Paragraph 5<br><br><br><br> -Subparagraph b, c<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 360<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PropertyPlantAndEquipmentNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RestrictedInvestments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Investments which are not defined as or included in marketable (debt, equity, or other) securities whose use is restricted in whole or in part, generally by contractual agreements or regulatory requirements. For use in an unclassified balance sheet.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_RestrictedInvestments</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RetainedEarningsAccumulatedDeficit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cumulative amount of the reporting entity's undistributed earnings or deficit.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.31(a)(3))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Accounting Principles Board Opinion (APB)<br><br><br><br> -Number 12<br><br><br><br> -Paragraph 10<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 31<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Article 3<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_RetainedEarningsAccumulatedDeficit</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShortTermBorrowings">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the total carrying amount as of the balance sheet date of debt having initial terms less than one year or the normal operating cycle, if longer.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.19(a))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.13)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 19<br><br><br><br> -Subparagraph a<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-03.(a),16(a)(1))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 13<br><br><br><br> -Article 9<br><br><br><br> -Subparagraph 2, 3<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Article 7<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 16<br><br><br><br> -Subparagraph a(1)<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShortTermBorrowings</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total of Stockholders' Equity (deficit) items, net of receivables from officers, directors, owners, and affiliates of the entity including portions attributable to both the parent and noncontrolling interests (previously referred to as minority interest), if any. The entity including portions attributable to the parent and noncontrolling interests is sometimes referred to as the economic entity. This excludes temporary equity and is sometimes called permanent equity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 810<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 16<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6921628&amp;loc=SL4568740-111683<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 810<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 55<br><br><br><br> -Paragraph 4I<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6922042&amp;loc=SL4590271-111686<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Name Accounting Research Bulletin (ARB)<br><br><br><br> -Publisher AICPA<br><br><br><br> -Number 51<br><br><br><br> -Paragraph 26<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Accounting Research Bulletin (ARB)<br><br><br><br> -Number 51<br><br><br><br> -Paragraph A3<br><br><br><br> -Appendix A<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Accounting Research Bulletin (ARB)<br><br><br><br> -Number 51<br><br><br><br> -Paragraph 25<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 810<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 15<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6921628&amp;loc=SL4568447-111683<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SubordinatedDebt">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Including the current and noncurrent portions, carrying value as of the balance sheet date of subordinated debt (with initial maturities beyond one year or beyond the operating cycle if longer). Subordinated debt places a lender in a lien position behind debt having a higher priority of repayment in liquidation of the entity's assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-03.16)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Article 5<br><br><br><br> -Section 02<br><br><br><br> -Subsection 19, 20, 22<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 16<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Staff Accounting Bulletin (SAB)<br><br><br><br> -Number Topic 10<br><br><br><br> -Section F<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.16)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_SubordinatedDebt</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDeposits100000OrMore">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount of domestic and foreign time deposit liabilities (including certificates of deposits, individual retirement accounts and open accounts) in denominations of $100,000 or more.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Audit and Accounting Guide (AAG)<br><br><br><br> -Number AAG-DEP<br><br><br><br> -IssueDate 2008-05-01<br><br><br><br> -Chapter 13<br><br><br><br> -Paragraph 42<br><br><br><br> -Subparagraph a<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Statement of Position (SOP)<br><br><br><br> -Number 01-6<br><br><br><br> -Paragraph 14<br><br><br><br> -Subparagraph e<br><br><br><br> -Clause 1<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 405<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (a)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479006&amp;loc=d3e64164-112818<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Industry Guide<br><br><br><br> -Number 3<br><br><br><br> -Section V<br><br><br><br> -Paragraph A<br><br><br><br> -Subparagraph 4<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TimeDeposits100000OrMore</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositsLessThan100000">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount of domestic or foreign time deposits (including certificates of deposits, individual retirement accounts and open accounts) that total to less than $100,000.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TimeDepositsLessThan100000</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TreasuryStockValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount allocated to treasury stock. Treasury stock is common and preferred shares of an entity that were issued, repurchased by the entity, and are held in its treasury.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name FASB Technical Bulletin (FTB)<br><br><br><br> -Number 85-6<br><br><br><br> -Paragraph 3<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 505<br><br><br><br> -SubTopic 30<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 4<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6405834&amp;loc=d3e23315-112656<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TreasuryStockValue</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
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                    <td><strong> Balance Type:</strong></td>
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                  <tr>
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          </td>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>33
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  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EFAAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Consolidated Statements of Changes in Stockholders' Equity (Parenthetical) (USD $)<br>In Thousands, except Share data, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2010</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2009</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementOfStockholdersEquityAbstract', window );"><strong>Consolidated Statements of Changes in Stockholders' Equity</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_cnbc_IssuanceOfStockAndWarrants', window );">Issuance of Stock and Warrants</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">86,705<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_cnbc_ProceedsFromRightsOfferingShares', window );">Proceeds from rights offering, Shares</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 1,571,428<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockDividendsPerShareDeclared', window );">Common Stock, Dividends, Per Share, Declared</a></td>
        <td class="nump">$ 0.12<span></span></td>
        <td class="nump">$ 0.12<span></span></td>
        <td class="nump">$ 0.18<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesNewIssues', window );">Stock Offerings During Period, Shares</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,715,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockSharesIssued', window );">Preferred Stock, Shares Issued</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">10,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesOther', window );">Exercise of Stock Options, Shares</a></td>
        <td class="nump">42,495<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">9,289<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_cnbc_IssuanceOfStockAndWarrants">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Issuance of stock and warrants</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>cnbc_IssuanceOfStockAndWarrants</nobr></td>
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                    <td>cnbc_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          </td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_cnbc_ProceedsFromRightsOfferingShares">
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>proceeds from rights offering</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>cnbc_ProceedsFromRightsOfferingShares</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>cnbc_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockDividendsPerShareDeclared">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Aggregate dividends declared during the period for each share of common stock outstanding.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6959260&amp;loc=d3e187085-122770<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CommonStockDividendsPerShareDeclared</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          </td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockSharesIssued">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total number of nonredeemable preferred shares (or preferred stock redeemable solely at the option of the issuer) issued to shareholders (includes related preferred shares that were issued, repurchased, and remain in the treasury). May be all or portion of the number of preferred shares authorized. Excludes preferred shares that are classified as debt.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 02<br><br> -Paragraph 29<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.28)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PreferredStockSharesIssued</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_StatementOfStockholdersEquityAbstract</nobr></td>
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                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockIssuedDuringPeriodSharesNewIssues">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Number of new stock issued during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6959260&amp;loc=d3e187085-122770<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 12<br><br> -Paragraph 10<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 29, 30<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_StockIssuedDuringPeriodSharesNewIssues</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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                </table>
              </div>
            </div>
          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockIssuedDuringPeriodSharesOther">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Number of shares of stock issued during the period that is attributable to transactions involving issuance of stock not separately disclosed.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_StockIssuedDuringPeriodSharesOther</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td>na</td>
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                    <td>duration</td>
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          </td>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>34
<FILENAME>R22.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Pension and Other Benefits<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PensionAndOtherPostretirementBenefitExpenseAbstract', window );"><strong>Pension and Other Benefits</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PensionAndOtherPostretirementBenefitsDisclosureTextBlock', window );">Pension and Other Benefits</a></td>
        <td class="text"><div> <div style="min-width: 708px; text-align: center;">

<h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;">Note 15&nbsp;&#8212;&nbsp;Pension and Other Benefits </h2>

<h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;">Defined Benefit Plans </h3>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The Corporation maintained a non-contributory pension plan for substantially all of its employees until September 30, 2007, at which time the Corporation froze its defined benefit pension plan. The benefits are based on years of service and the employee's compensation over the prior five-year period. The plan's benefits are payable in the form of a ten year certain and life annuity. The plan is intended to be a tax-qualified defined benefit plan under Section 401(a) of the Internal Revenue Code. The Pension Plan, which has been in effect since March 15, 1950, generally covers employees of Union Center National Bank and the Parent Corporation who have attained age 21 and completed one year of service prior to September 30, 2007. Payments may be made under the Pension Plan once attaining the normal retirement age of 65 and is generally equal to 44 percent of a participant's highest average compensation over a 5-year period. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The following table sets forth changes in projected benefit obligation, changes in fair value of plan assets, funded status, and amounts recognized in the consolidated statements of condition for the Corporation's pension plans at December 31, 2011 and 2010. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="608">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2011</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2010</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7"><font style="font-weight: normal;" class="_mt">(Dollars in Thousands)</font></td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;">Change in Benefit Obligation:<br /></td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Projected benefit obligation at beginning of year</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">11,032</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">10,660</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Service cost</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Interest cost</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">589</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">601</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Actuarial loss</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1,335</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">393</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Benefits paid</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">(611</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">(622</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Projected benefit obligation at end of year</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">12,345</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">11,032</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;">Change in Plan Assets:<br /></td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Fair value of plan assets at beginning year</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">6,993</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">6,652</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Actual return on plan assets</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(111</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">663</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Employer contributions</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">491</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">300</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Benefits paid</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">(611</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">(622</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Fair value of plan assets at end of year</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">6,762</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">6,993</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Funded status</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">(5,583</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">(4,039</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td></tr></table></div>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Amounts related to unrecognized actuarial losses for the plan, on a pre-tax basis, that have been recognized in accumulated other comprehensive loss amounted to $5,563,000 and $3,914,000 at December 31, 2011 and 2010, respectively. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The net periodic pension cost for 2011, 2010 and 2009 includes the following components: </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2011</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2010</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2009</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11"><font style="font-weight: normal;" class="_mt">(Dollars in Thousands)</font></td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Service cost</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Interest cost</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">589</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">601</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">606</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Expected return on plan assets</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(381</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(413</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(288</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Net amortization and deferral</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">179</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">130</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Net periodic pension expense</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">387</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">318</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">318</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The following table presents the assumptions used to calculate the projected benefit obligation in each of the last three years. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="608">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2011</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2010</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2009</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Discount rate</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">4.64</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">5.25</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">5.75</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Rate of compensation increase</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">N/A</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">N/A</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">N/A</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Expected long-term rate of return on plan assets</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">5.50</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">6.25</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">5.00</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td></tr></table></div>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The following information is provided at December 31: </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2011</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2010</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2009</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11"><font style="font-weight: normal;" class="_mt">(Dollars in Thousands)</font></td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;">Information for Plans With a Benefit Obligation in Excess of Plan Assets<br /></td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="font-style: italic; padding-left: 10pt; vertical-align: text-bottom;">Weighted average assumptions used to determine net periodic benefit cost for years ended December 31</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Discount rate</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">5.25</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">5.75</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">6.25</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Expected long-term return on plan assets</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">5.50</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">6.25</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">5.00</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Rate of compensation increase</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">N/A</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">N/A</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">N/A</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The process of determining the overall expected long-term rate of return on plan assets begins with a review of appropriate investment data, including current yields on fixed income securities, historical investment data, historical plan performance and forecasts of inflation and future total returns for the various asset classes. This data forms the basis for the construction of a best-estimate range of real investment return for each asset class. An average, weighted real-return range is computed reflecting the Plan's expected asset mix, and that range, when combined with an expected inflation range, produces an overall best-estimate expected return range. Specific factors such as the Plan's investment policy, reinvestment risk and investment volatility are taken into consideration during the construction of the best estimate real return range, as well as in the selection of the final return assumption from within the range. </p>

<h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;">Plan Assets </h3>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The Union Center National Bank Pension Trust's weighted-average asset allocation at December 31, 2011, 2010 and 2009, by asset category, is as follows: </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="border-bottom: black 1pt solid; text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">Asset Category</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2011</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2010</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2009</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Equity securities</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">47</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">44</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">44</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Debt and/or fixed income securities</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">41</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">37</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">46</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 20pt; vertical-align: text-bottom;">Alternative investments, including commodities, foreign currency and real estate</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">4</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">5</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 1pt solid; padding-left: 20pt; vertical-align: text-bottom;">Cash and other alternative investments, including hedge funds, equity structured notes</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">8</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">19</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">5</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Total</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">100</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">100</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">100</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td></tr></table></div>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The general investment policy of the Pension Trust is for the fund to experience growth in assets that will allow the market value to exceed the value of benefit obligations over time. Appropriate diversification on a total fund basis is achieved by following an allowable range of commitment within asset category, as follows: </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Range</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Target</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Equity securities</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">21&nbsp;&#8211;&nbsp;32</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">26</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Debt and/or fixed income securities</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">33&nbsp;&#8211;&nbsp;49</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">41</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">International equity</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">18&nbsp;&#8211;&nbsp;27</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">22</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Short term</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">N/A</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">N/A</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Other</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">8&nbsp;&#8211;&nbsp;13</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">11</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td></tr></table></div>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The fair values of the Corporation's pension plan assets at December 31, 2011 and 2010, by asset category, are as follows: </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;" rowspan="2">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" rowspan="2" colspan="3">December 31,<br />2011</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11">Fair Value Measurements at Reporting Date Using</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Quoted Prices<br />in Active<br />Markets for<br />Identical Assets<br />(Level 1)</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Significant<br />Other<br />Observable<br />Inputs<br />(Level 2)</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Significant<br />Unobservable<br />Inputs<br />(Level 3)</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="15"><font style="font-weight: normal;" class="_mt">(Dollars in Thousands)</font></td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Cash</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">512</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">512</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Equity securities:<br /></td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 20pt; vertical-align: text-bottom;">U.S. companies</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1,788</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1,788</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 20pt; vertical-align: text-bottom;">International companies</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1,405</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1,405</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">U.S. Treasury securities</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">2,798</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">2,798</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Commodities</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">259</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">259</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 3px double; padding-left: 20pt; vertical-align: text-bottom;">Total</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">&nbsp;6,762</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">&nbsp;6,762</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;&#8212;</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;&#8212;</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;" rowspan="2">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" rowspan="2" colspan="3">December 31, 2010</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11">Fair Value Measurements at Reporting Date Using</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Quoted Prices<br />in Active<br />Markets for<br />Identical Assets<br />(Level 1)</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Significant<br />Other<br />Observable<br />Inputs<br />(Level 2)</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Significant<br />Unobservable<br />Inputs<br />(Level 3)</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="15"><font style="font-weight: normal;" class="_mt">(Dollars in Thousands)</font></td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Cash</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">1,379</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">1,379</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Equity Securities:<br /></td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 20pt; vertical-align: text-bottom;">U.S. companies</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1,522</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1,522</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 20pt; vertical-align: text-bottom;">International companies</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1,534</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1,534</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">U.S. Treasury securities</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">2,378</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">2,378</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Corporate bonds</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">180</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">180</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 3px double; padding-left: 20pt; vertical-align: text-bottom;">Total</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">&nbsp;6,993</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">&nbsp;6,993</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;&#8212;</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;&#8212;</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The following table presents the changes in pension plan asset with significant unobservable inputs (Level 3) for the year ended December 31: </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2011</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2010</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7"><font style="font-weight: normal;" class="_mt">(Dollars in Thousands)</font></td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Beginning balance, January 1,</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">331</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Actual return on plan assets:<br /></td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 20pt; vertical-align: text-bottom;">Relating to assets still held at the reporting date</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 20pt; vertical-align: text-bottom;">Relating to assets sold during the period</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">8</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Purchases, sales and settlements</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(339</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Transfers out of Level 3</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Ending balance, December 31,</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;&#8212;</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The investment manager is not authorized to purchase, acquire or otherwise hold certain types of market securities (subordinated bonds, real estate investment trusts, limited partnerships, naked puts, naked calls, stock index futures, oil, gas or mineral exploration ventures or unregistered securities) or to employ certain types of market techniques (margin purchases or short sales) or to mortgage, pledge, hypothecate, or in any manner transfer as security for indebtedness, any security owned or held by the Plan. </p>

<h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;">Cash Flows </h3>

<h4 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: italic 10pt/12pt serif; padding-top: 3pt;">Contributions </h4>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The Bank expects to contribute $453,000 to its Pension Trust in 2012. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The Preservation of Access to Care for Medicare Beneficiaries and Pension Relief Act of 2010, signed into law on June 25, 2010, permits single employer and multiple employer defined benefit plan sponsors to elect to extend the plan's amortization period of a Shortfall Amortization Base over either a nine year period or a fifteen year period, rather than the seven year period required under the Pension Protection Act of 2006. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The Bank has elected to apply the Pension Relief Act Fifteen Year amortization of the Shortfall Amortization Base for its 2012 minimum funding requirement. The minimum amount to be funded is $453,000, as noted above, by December 31, 2012 with the understanding that fully funding the plan earlier than this date will lower this amount and that funding the plan after this date will increase this amount. As noted, this amount is the minimum required funding amount. The Bank does have the option of funding above this amount but has contributed the minimum historically. </p>

<h4 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: italic 10pt/12pt serif; padding-top: 3pt;">Estimated Future Benefit Payments </h4>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The following benefit payments, which reflect expected future service, as appropriate, are expected to be paid in each year 2012, 2013, 2014, 2015, 2016 and years 2017-2021, respectively: $701,241, $717,192, $775,137, $767,674, $772,132 and $3,980,680. </p>

<h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;">401(k) Benefit Plan </h3>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The Corporation maintains a 401(k) employee savings plan to provide for defined contributions which covers substantially all employees of the Corporation. The Corporation's contribution to its 401(k) plan provides a dollar-for-dollar matching contribution up to six percent of salary deferrals. For 2011, 2010 and 2009, employer contributions amounted to $358,000, $294,000 and $266,000, respectively. </p></div> </div><span></span></td>
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                <p>The entire disclosure for pension and other postretirement benefits.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -URI http://asc.fasb.org/topic&amp;trid=2235017<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 87<br><br> -Paragraph 264<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  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          <div style="width: 200px;"><strong>Dividends and Other Restrictions<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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        <td class="text"><div> &nbsp;

<div style="min-width: 708px; text-align: center;">

<h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;">Note 17&nbsp;&#8212;&nbsp;Dividends and Other Restrictions </h2>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Certain restrictions, including capital requirements, exist on the availability of undistributed net profits of the Bank for the future payment of dividends to the Parent Corporation. A dividend may not be paid if it would impair the capital of the Bank. Furthermore, prior approval by the Comptroller of the Currency is required if the total of dividends declared in a calendar year exceeds the total of the Bank's net profits for that year combined with the retained profits for the two preceding years. The Office of the Comptroller of the Currency (the "OCC") has determined that the Memorandum of Understanding (the "MOU") that had previously been entered into by the Bank is no longer required and, accordingly, the OCC has terminated the MOU. Therefore, the Bank may declare dividends without prior approval of the OCC. At December 31, 2011, approximately $22.3 million was available for payment of dividends based on the preceding guidelines.</p></div> </div><span></span></td>
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                <p>The entire disclosure for a banking or savings institution's compliance during the year with (a) federal and state laws and regulations relative to dividend restrictions and (b) federal laws and regulations relative to insider loans.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>37
<FILENAME>R7.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EBWBI">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Consolidated Statements of Cash Flows (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2010</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2009</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>Cash flows from operating activities:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
        <td class="nump">$ 13,926<span></span></td>
        <td class="nump">$ 7,004<span></span></td>
        <td class="nump">$ 3,771<span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>Adjustments to Reconcile Net Income to Net Cash Provided by Operating Activities:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepreciationDepletionAndAmortization', window );">Depreciation and amortization</a></td>
        <td class="nump">983<span></span></td>
        <td class="nump">1,165<span></span></td>
        <td class="nump">1,451<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanAndLeaseLosses', window );">Provision for loan losses</a></td>
        <td class="nump">2,448<span></span></td>
        <td class="nump">5,076<span></span></td>
        <td class="nump">4,597<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredIncomeTaxExpenseBenefit', window );">Provision for deferred taxes</a></td>
        <td class="nump">3,406<span></span></td>
        <td class="nump">51<span></span></td>
        <td class="nump">819<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensation', window );">Stock-based compensation expense</a></td>
        <td class="nump">35<span></span></td>
        <td class="nump">51<span></span></td>
        <td class="nump">77<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MarketableSecuritiesRealizedGainLossOtherThanTemporaryImpairmentsAmount', window );">Net other-than-temporary impairment losses</a></td>
        <td class="nump">342<span></span></td>
        <td class="nump">5,576<span></span></td>
        <td class="nump">4,238<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MarketableSecuritiesRealizedGainLoss', window );">Net gains on sales of available-for-sale securities</a></td>
        <td class="num">(3,976)<span></span></td>
        <td class="num">(4,237)<span></span></td>
        <td class="num">(4,729)<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInLoansHeldForSale', window );">Net gains on sales of loans held for sale</a></td>
        <td class="num">(251)<span></span></td>
        <td class="num">(140)<span></span></td>
        <td class="num">(5)<span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForOriginationAndPurchasesOfLoansHeldForSale', window );">Net loans originated for sale</a></td>
        <td class="num">(14,357)<span></span></td>
        <td class="num">(8,347)<span></span></td>
        <td class="num">(3,453)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleAndCollectionOfLoansHeldforsale', window );">Proceeds from sales of loans held for sale</a></td>
        <td class="nump">13,923<span></span></td>
        <td class="nump">8,154<span></span></td>
        <td class="nump">3,458<span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainLossOnSaleOfPropertyPlantEquipment', window );">Net loss on disposition of premises and equipment</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">427<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainsLossesOnSalesOfOtherRealEstate', window );">Net loss on sale of other real estate owned</a></td>
        <td class="nump">5<span></span></td>
        <td class="nump">207<span></span></td>
        <td class="nump">905<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_cnbc_LifeInsuranceDeathBenefit', window );">Life insurance death benefit</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(136)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LifeInsuranceCorporateOrBankOwnedChangeInValue', window );">Increase in cash surrender value of bank owned life insurance</a></td>
        <td class="num">(1,038)<span></span></td>
        <td class="num">(1,226)<span></span></td>
        <td class="num">(1,020)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments', window );">Net amortization of securities</a></td>
        <td class="nump">4,012<span></span></td>
        <td class="nump">2,979<span></span></td>
        <td class="nump">793<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet', window );">(Increase) decrease in accrued interest receivable</a></td>
        <td class="num">(2,085)<span></span></td>
        <td class="num">(101)<span></span></td>
        <td class="nump">121<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInPrepaidExpense', window );">Decrease in prepaid FDIC insurance assessment</a></td>
        <td class="nump">1,698<span></span></td>
        <td class="nump">1,792<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInOtherOperatingAssets', window );">(Increase) decrease in other assets</a></td>
        <td class="num">(402)<span></span></td>
        <td class="nump">1,642<span></span></td>
        <td class="num">(1,732)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities', window );">Decrease in other liabilities</a></td>
        <td class="num">(585)<span></span></td>
        <td class="num">(2,426)<span></span></td>
        <td class="num">(480)<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivities', window );">Net cash provided by operating activities</a></td>
        <td class="nump">18,084<span></span></td>
        <td class="nump">17,647<span></span></td>
        <td class="nump">8,675<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract', window );"><strong>Cash flows from investing activities:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsToAcquireAvailableForSaleSecurities', window );">Investment securities available-for-sale: Purchases</a></td>
        <td class="num">(400,644)<span></span></td>
        <td class="num">(791,156)<span></span></td>
        <td class="num">(785,044)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities', window );">Investment securities available-for-sale: Sales</a></td>
        <td class="nump">254,821<span></span></td>
        <td class="nump">644,075<span></span></td>
        <td class="nump">665,828<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities', window );">Investment securities available-for-sale: Maturies, calls and principal repayment</a></td>
        <td class="nump">48,029<span></span></td>
        <td class="nump">67,960<span></span></td>
        <td class="nump">58,206<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsToAcquireHeldToMaturitySecurities', window );">Investment securities held-to-maturity: Purchases</a></td>
        <td class="num">(13,118)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_cnbc_InvestmentSecuritiesHeldToMaturityMaturitiesAndPrincipalRepayments', window );">Investment securities held-to-maturity: Maturities and principal repayment</a></td>
        <td class="nump">7,475<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseOfRestrictedInvestments', window );">Net redemption (purchases) of restricted investment in bank stock</a></td>
        <td class="nump">363<span></span></td>
        <td class="nump">1,076<span></span></td>
        <td class="num">(442)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForProceedsFromLoansAndLeases', window );">Net (increase) decrease in loans</a></td>
        <td class="num">(49,223)<span></span></td>
        <td class="nump">8,348<span></span></td>
        <td class="num">(45,543)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment', window );">Purchases of premises and equipment</a></td>
        <td class="num">(316)<span></span></td>
        <td class="num">(300)<span></span></td>
        <td class="num">(742)<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsToAcquireLifeInsurancePolicies', window );">Purchase of bank-owned life insurance</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(6,000)<span></span></td>
        <td class="num">(2,475)<span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_cnbc_RedemptionOfBankOwnedLifeInsurance', window );">Redemption of bank-owned life insurance</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">5,610<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromLifeInsurancePolicies', window );">Proceeds from life insurance death benefits</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">15<span></span></td>
        <td class="nump">266<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_cnbc_CapitalExpenditureAdditionToOreo', window );">Capital expenditure addition to other real estate owned</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(476)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment', window );">Proceeds from sale of premises and equipment</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1<span></span></td>
        <td class="nump">1<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromRealEstateAndRealEstateJointVentures', window );">Proceeds from sale of other real estate owned</a></td>
        <td class="nump">33<span></span></td>
        <td class="nump">1,720<span></span></td>
        <td class="nump">3,520<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivities', window );">Net cash used in investing activities</a></td>
        <td class="num">(152,580)<span></span></td>
        <td class="num">(68,651)<span></span></td>
        <td class="num">(106,901)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract', window );"><strong>Cash flows from financing activities:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInDeposits', window );">Net increase in deposits</a></td>
        <td class="nump">261,083<span></span></td>
        <td class="nump">46,627<span></span></td>
        <td class="nump">154,168<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromRepaymentsOfShortTermDebt', window );">Net (decrease) increase in short-term borrowings</a></td>
        <td class="num">(41,855)<span></span></td>
        <td class="num">(4,254)<span></span></td>
        <td class="nump">966<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings', window );">Payments on long-term borrowings</a></td>
        <td class="num">(10,000)<span></span></td>
        <td class="num">(52,144)<span></span></td>
        <td class="num">(153)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsOfDividendsCommonStock', window );">Cash dividends on common stock</a></td>
        <td class="num">(1,955)<span></span></td>
        <td class="num">(1,800)<span></span></td>
        <td class="num">(3,166)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock', window );">Cash dividends on preferred stock</a></td>
        <td class="num">(417)<span></span></td>
        <td class="num">(500)<span></span></td>
        <td class="num">(425)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_cnbc_ProceedsFromIssuanceOfSblfPreferredStock', window );">Proceeds from issuance of Series B preferred stock</a></td>
        <td class="nump">11,250<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_cnbc_RedemptionOfSereiesPreferredStock', window );">Redemption of Series A preferred stock</a></td>
        <td class="num">(10,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForRepurchaseOfWarrants', window );">Warrant repurchased</a></td>
        <td class="num">(245)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_cnbc_IssuanceCostOfCommonStockFromCommonStockOfferings', window );">Issuance cost of common stock</a></td>
        <td class="num">(5)<span></span></td>
        <td class="num">(6)<span></span></td>
        <td class="num">(11)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_cnbc_IssuanceCostOfSblfPreferredStock', window );">Issuance cost of Series B preferred stock</a></td>
        <td class="num">(84)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_cnbc_ProceedsFromIssuanceOfPreferredStockAndWarrants', window );">Proceeds from issuance of Series A preferred stock and warrants</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">10,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_cnbc_ProceedsFromIssuanceOfSharesFromStockOfferingOfRightsOffering', window );">Proceeds from issuance of shares from stock offering or rights offering</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">12,148<span></span></td>
        <td class="nump">11,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsOfStockIssuanceCosts', window );">Issuance cost of common stock</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(770)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities', window );">Tax expense (benefit) from stock based compensation</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">7<span></span></td>
        <td class="num">(73)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_cnbc_IssuanceCostOfRestrictedStockAward', window );">Issuance cost of restricted stock award</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">25<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromStockOptionsExercised', window );">Proceeds from exercise of stock options</a></td>
        <td class="nump">328<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">57<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivities', window );">Net cash provided by (used in) financing activities</a></td>
        <td class="nump">208,100<span></span></td>
        <td class="num">(667)<span></span></td>
        <td class="nump">172,363<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease', window );">Net increase (decrease) in cash and cash equivalents</a></td>
        <td class="nump">73,604<span></span></td>
        <td class="num">(51,671)<span></span></td>
        <td class="nump">74,137<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndDueFromBanks', window );">Cash and cash equivalents at beginning of year</a></td>
        <td class="nump">37,497<span></span></td>
        <td class="nump">89,168<span></span></td>
        <td class="nump">15,031<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndDueFromBanks', window );">Cash and cash equivalents at end of year</a></td>
        <td class="nump">111,101<span></span></td>
        <td class="nump">37,497<span></span></td>
        <td class="nump">89,168<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract', window );"><strong>Supplemental disclosures of cash flow information:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherSignificantNoncashTransactionValueOfConsiderationGiven1', window );">Noncash activities: Trade date accounting settlement for investments</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">8<span></span></td>
        <td class="nump">1,979<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TransferOfOtherRealEstate', window );">Noncash activities: Transfer of loans to other real estate owned</a></td>
        <td class="nump">629<span></span></td>
        <td class="nump">1,927<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalLeasesNetInvestmentInDirectFinancingLeases', window );">Noncash activities: Net investment in direct financing lease</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">3,700<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TransferOfInvestments', window );">Noncash activities: Transfer from investment securities available-for-sale to investment securities held-to-maturity</a></td>
        <td class="nump">66,833<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SupplementalCashFlowInformationAbstract', window );"><strong>Cash paid during year for:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestPaid', window );">Interest paid on deposits and borrowings</a></td>
        <td class="nump">12,226<span></span></td>
        <td class="nump">15,569<span></span></td>
        <td class="nump">23,021<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxesPaid', window );">Income taxes</a></td>
        <td class="nump">$ 4,484<span></span></td>
        <td class="nump">$ 2,479<span></span></td>
        <td class="nump">$ 344<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_cnbc_CapitalExpenditureAdditionToOreo">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Capital Expenditure Addition to OREO</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>cnbc_CapitalExpenditureAdditionToOreo</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>cnbc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_cnbc_InvestmentSecuritiesHeldToMaturityMaturitiesAndPrincipalRepayments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Accrual of dividend on series B preferred stock</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>cnbc_InvestmentSecuritiesHeldToMaturityMaturitiesAndPrincipalRepayments</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>cnbc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_cnbc_IssuanceCostOfCommonStockFromCommonStockOfferings">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Issuance cost of common stock from common stock offerings.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>cnbc_IssuanceCostOfCommonStockFromCommonStockOfferings</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>cnbc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_cnbc_IssuanceCostOfRestrictedStockAward">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow during the period for payments of costs to third parties related specifically to the issuance of restricted stock awards.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>cnbc_IssuanceCostOfRestrictedStockAward</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>cnbc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_cnbc_IssuanceCostOfSblfPreferredStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Issuance cost of SBLF preferred stock</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>cnbc_IssuanceCostOfSblfPreferredStock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>cnbc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_cnbc_LifeInsuranceDeathBenefit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Life insurance death benefit</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>cnbc_LifeInsuranceDeathBenefit</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>cnbc_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_cnbc_ProceedsFromIssuanceOfPreferredStockAndWarrants">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Proceeds from issuance of preferred stock and warrants</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>cnbc_ProceedsFromIssuanceOfPreferredStockAndWarrants</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>cnbc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_cnbc_ProceedsFromIssuanceOfSblfPreferredStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Proceeds from issuance of SBLF preferred stock</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>cnbc_ProceedsFromIssuanceOfSblfPreferredStock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>cnbc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_cnbc_ProceedsFromIssuanceOfSharesFromStockOfferingOfRightsOffering">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Proceeds from issuance of shares from stock offering of rights offering</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>cnbc_ProceedsFromIssuanceOfSharesFromStockOfferingOfRightsOffering</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>cnbc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_cnbc_RedemptionOfBankOwnedLifeInsurance">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Redemption of bank owned life insurance</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>cnbc_RedemptionOfBankOwnedLifeInsurance</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>cnbc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_cnbc_RedemptionOfSereiesPreferredStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Redemption of Sereies A preferred stock</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>cnbc_RedemptionOfSereiesPreferredStock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>cnbc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The sum of the periodic adjustments of the differences between securities' face values and purchase prices that are charged against earnings. This is called accretion if the security was purchased at a discount and amortization if it was purchased at premium. As a noncash item, this element is an adjustment to net income when calculating cash provided by or used in operations using the indirect method.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CapitalLeasesNetInvestmentInDirectFinancingLeases">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net investment in direct financing leases as of the balance sheet date consisting of: (a) minimum lease payments due on direct financing leases, (b) unguaranteed residual value, and (c) any unamortized initial direct costs; less: (i) executory costs, (ii) unearned income, and (iii) the accumulated allowance for uncollectible minimum lease payments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 13<br><br> -Paragraph 23<br><br> -Subparagraph a(i)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 840<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 4<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6952072&amp;loc=d3e45377-112738<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CapitalLeasesNetInvestmentInDirectFinancingLeases</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The increase (decrease) during the reporting period in cash and cash equivalents. While for technical reasons this element has no balance attribute, the default assumption is a debit balance consistent with its label.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 24<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3521-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndDueFromBanks">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For banks and other depository institutions: Includes cash on hand (currency and coin), cash items in process of collection, noninterest bearing deposits due from other financial institutions (including corporate credit unions), and noninterest bearing balances with the Federal Reserve Banks, Federal Home Loan Banks and central banks.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506951<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash Equivalents<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6507016<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 8, 9<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 6<br><br> -Paragraph 1, 2, 3, 7, 11<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 1, 2, 3<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CashAndDueFromBanks</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredIncomeTaxExpenseBenefit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The component of income tax expense for the period representing the increase (decrease) in the entity's deferred tax assets and liabilities pertaining to continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Deferred Tax Expense (or Benefit)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6510177<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Article 4<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 6<br><br> -Section I<br><br> -Subsection 7<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 45<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 289<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SAB TOPIC 6.I.7)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6889476&amp;loc=d3e330036-122817<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DeferredIncomeTaxExpenseBenefit</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepreciationDepletionAndAmortization">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate expense recognized in the current period that allocates the cost of tangible assets, intangible assets, or depleting assets to periods that benefit from use of the assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DepreciationDepletionAndAmortization</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reductions in the entity's income taxes that arise when compensation cost (from non-qualified share-based compensation) recognized on the entity's tax return exceeds compensation cost from equity-based compensation recognized in financial statements. This element represents the cash inflow reported in the enterprise's financing activities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph A240<br><br> -Subparagraph i<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 00-15<br><br> -Paragraph 3<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 20<br><br> -Section 55<br><br> -Paragraph 24<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6576910&amp;loc=d3e11374-113907<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainLossOnSaleOfPropertyPlantEquipment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The difference between the sale price or salvage price and the book value of a property, plant, and equipment asset that was sold or retired during the reporting period. This element refers to the gain (loss).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_GainLossOnSaleOfPropertyPlantEquipment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainsLossesOnSalesOfOtherRealEstate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net gain (loss) resulting from sales and other disposals of other real estate owned, increases (decreases) in the valuation allowance for foreclosed real estate, and write-downs of other real estate owned after acquisition or physical possession.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Chapter V<br><br> -Section 563c.102<br><br> -Paragraph 13<br><br> -Subparagraph g<br><br> -Subsection II<br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 14<br><br> -Subparagraph d<br><br> -Article 9<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.14(d))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_GainsLossesOnSalesOfOtherRealEstate</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxesPaid">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of cash paid during the current period to foreign, federal, state, and local authorities as taxes on income.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 25<br><br> -Subparagraph (f)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3536-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 29<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 27<br><br> -Subparagraph f<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4297-108586<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeTaxesPaid</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The increase (decrease) during the reporting period in the amount due from borrowers for interest payments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInDeposits">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash inflow or outflow for the increase (decrease) in the beginning and end of period deposits balances.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 13<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3095-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 230<br><br> -Section 45<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6477933&amp;loc=d3e60009-112784<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncreaseDecreaseInDeposits</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInLoansHeldForSale">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The increase (decrease) during the reporting period in the value of loans or securitized loans that are held with the intention to sell in the near future.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 21<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3461-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 102<br><br> -Paragraph 9<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 3, 15, 16, 17, 22, 23, 147, 148, 149<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 230<br><br> -Section 55<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6587932&amp;loc=d3e60097-112785<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncreaseDecreaseInLoansHeldForSale</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInOtherOperatingAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The increase (decrease) during the reporting period in other assets used in operating activities not separately disclosed in the statement of cash flows. May include changes in other current assets, other noncurrent assets, or a combination of other current and noncurrent assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncreaseDecreaseInOtherOperatingAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The increase (decrease) during the reporting period in other liabilities used in operating activities not separately disclosed in the statement of cash flows. May include changes in other current liabilities, other noncurrent liabilities, or a combination of other current and noncurrent liabilities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncreaseDecreaseInOtherOperatingLiabilities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInPrepaidExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The increase (decrease) during the reporting period in the amount of outstanding money paid in advance for goods or services that bring economic benefits for future periods.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncreaseDecreaseInPrepaidExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseOfRestrictedInvestments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash inflow or outflow for the increase (decrease) associated with investments (not to include restricted cash) that are pledged or subject to withdrawal restrictions.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncreaseDecreaseOfRestrictedInvestments</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestPaid">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of cash paid for interest during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 29<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 25<br><br> -Subparagraph (e)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3536-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4297-108586<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestPaid</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LifeInsuranceCorporateOrBankOwnedChangeInValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The change in cash surrender or contract value during the period which adjusted the amount of premiums paid in determining the expense or income recognized under the contract for the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Technical Bulletin (FTB)<br><br> -Number 85-4<br><br> -Paragraph 2<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 325<br><br> -SubTopic 30<br><br> -Section 35<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6384439&amp;loc=d3e42048-111605<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LifeInsuranceCorporateOrBankOwnedChangeInValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_MarketableSecuritiesRealizedGainLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the total realized gain (loss) included in earnings for the period as a result of selling marketable securities categorized as trading, available-for-sale, or held-to-maturity. Additionally, this item would include any losses recognized for other than temporary impairments (OTTI) of the subject investments in debt and equity securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 10<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27405-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 16<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27357-111563<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.7(c))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_MarketableSecuritiesRealizedGainLoss</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_MarketableSecuritiesRealizedGainLossOtherThanTemporaryImpairmentsAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This element represents the amount of loss recognized for other than temporary impairments (OTTI) of investments in debt and equity securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 16<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SAB TOPIC 5.M)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6784337&amp;loc=d3e87990-122713<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_MarketableSecuritiesRealizedGainLossOtherThanTemporaryImpairmentsAmount</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInFinancingActivities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash inflow or outflow from financing activity for the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 24<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3521-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 26<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3574-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetCashProvidedByUsedInFinancingActivities</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract">
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInInvestingActivities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash inflow or outflow from investing activity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 24<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3521-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 26<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3574-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetCashProvidedByUsedInInvestingActivities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
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              </div>
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          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInOperatingActivities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash from (used in) all of the entity's operating activities, including those of discontinued operations, of the reporting entity. Operating activities generally involve producing and delivering goods and providing services. Operating activity cash flows include transactions, adjustments, and changes in value that are not defined as investing or financing activities. While for technical reasons this element has no balance attribute, the default assumption is a debit balance consistent with its label.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 24<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3521-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 25<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3536-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetCashProvidedByUsedInOperatingActivities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.22)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.18)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e565-108580<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph A7<br><br> -Appendix A<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 10, 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Other Comprehensive Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 87-21<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 12: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Net Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br><br><br>Reference 13: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.19)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 14: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 03<br><br> -Paragraph 19<br><br><br><br>Reference 15: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28, 29, 30<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 16: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 20<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetIncomeLoss</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherSignificantNoncashTransactionValueOfConsiderationGiven1">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The value of the noncash (or part noncash) consideration given (for example, liability, equity) in a transaction. Noncash is defined as transactions during a period that do not result in cash receipts or cash payments in the period. "Part noncash" refers to that portion of a transaction not resulting in cash receipts or cash payments in the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4332-108586<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 32<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4313-108586<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4304-108586<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherSignificantNoncashTransactionValueOfConsiderationGiven1</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsForOriginationAndPurchasesOfLoansHeldForSale">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount of cash outflow for loans purchased and created with the intention to resell them in the near future.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 21<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3461-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 17<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3367-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 102<br><br> -Paragraph 9<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 3, 15, 16, 17, 22, 23, 147, 148, 149<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 230<br><br> -Section 55<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6587932&amp;loc=d3e60097-112785<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsForOriginationAndPurchasesOfLoansHeldForSale</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsForProceedsFromLoansAndLeases">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash outflow or inflow for the increase (decrease) in the beginning and end of period of loan and lease balances which are not originated or purchased specifically for resale. Includes cash payments and proceeds associated with (a) loans held-for-investment, (b) leases held-for-investment, and (c) both.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 15, 16, 17<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsForProceedsFromLoansAndLeases</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsForRepurchaseOfWarrants">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount paid by the entity to reacquire the right to purchase equity shares at a predetermined price, usually issued together with corporate debt.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3291-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 18<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 20<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsForRepurchaseOfWarrants</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsOfDividendsCommonStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow from the distribution of an entity's earnings in the form of dividends to common shareholders.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3291-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 18<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 20<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsOfDividendsCommonStock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow for the return on capital for preferred shareholders.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3291-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 18<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 20<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsOfStockIssuanceCosts">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow for cost incurred directly with the issuance of an equity security.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 18, 19, 20<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3291-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsOfStockIssuanceCosts</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsToAcquireAvailableForSaleSecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow to acquire debt and equity securities not classified as either held-to-maturity securities or trading securities which would be classified as available-for-sale securities and reported at fair value, with unrealized gains and losses excluded from earnings and reported in a separate component of shareholders' equity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 17<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 13<br><br> -Subparagraph (a),(b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3213-108585<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 17<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 18<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26853-111562<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsToAcquireAvailableForSaleSecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsToAcquireHeldToMaturitySecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow from purchases of available-for-sale securities and held-to-maturity securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26853-111562<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 13<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3213-108585<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 18<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 17<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsToAcquireHeldToMaturitySecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsToAcquireLifeInsurancePolicies">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow for payments to purchase life insurance policies for which the entity is the beneficiary.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 15, 17<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 13<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3213-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsToAcquireLifeInsurancePolicies</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow associated with the acquisition of long-lived, physical assets that are used in the normal conduct of business to produce goods and services and not intended for resale; includes cash outflows to pay for construction of self-constructed assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 13<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3213-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 17<br><br> -Subparagraph c<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsToAcquirePropertyPlantAndEquipment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromLifeInsurancePolicies">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash inflow for proceeds from life insurance policies for which the entity is the beneficiary.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 15, 16<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3179-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProceedsFromLifeInsurancePolicies</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash inflow associated with maturities (principal being due), prepayments and calls (requests of early payments) on securities not classified as either held-to-maturity securities or trading securities which are classified as available-for-sale securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 16<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26853-111562<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 16<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Chapter V<br><br> -Section 563c.102<br><br> -Subsection III<br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -Subparagraph (a),(b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3179-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromRealEstateAndRealEstateJointVentures">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash inflow from the sale of real estate held-for-investment and real estate joint ventures.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProceedsFromRealEstateAndRealEstateJointVentures</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromRepaymentsOfShortTermDebt">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash inflow or outflow for borrowing having initial term of repayment within one year or the normal operating cycle, if longer.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 18<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 9<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3098-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProceedsFromRepaymentsOfShortTermDebt</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromSaleAndCollectionOfLoansHeldforsale">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash inflow from sale proceeds and collection of repayments from borrowers on loans classified as held-for-sale, including proceeds from loans sold through mortgage securitization; includes mortgages and other types of loans.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3179-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 21<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3461-108585<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 102<br><br> -Paragraph 9<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 16<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6375948&amp;loc=d3e4600-111522<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProceedsFromSaleAndCollectionOfLoansHeldforsale</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash inflow associated with the sale of debt and equity securities classified as available-for-sale securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 16<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26853-111562<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 16<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 18<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -Subparagraph (a),(b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3179-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash inflow from the sale of long-lived, physical assets that are used in the normal conduct of business to produce goods and services and not intended for resale.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3179-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 16<br><br> -Subparagraph c<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromStockOptionsExercised">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash inflow associated with the amount received from holders exercising their stock options. This item inherently excludes any excess tax benefit, which the entity may have realized and reported separately.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (j)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph A240<br><br> -Subparagraph i<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 14<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3255-108585<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 18<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 19<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProceedsFromStockOptionsExercised</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProvisionForLoanAndLeaseLosses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The sum of the periodic provision charged to operations, based on an assessment of the uncollectibility of the loan and lease portfolio, the offset to which is either added to or deducted from the allowance account for the purpose of reducing loan receivable and leases to an amount that approximates their net realizable value (the amount expected to be collected).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.11)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 9<br><br> -Section 04<br><br> -Paragraph 11<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 5<br><br> -Paragraph 168, 169, 170<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProvisionForLoanAndLeaseLosses</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow for the payment of loan drawn from Federal Home Loan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3291-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 18<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 20<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensation">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount of noncash, equity-based employee remuneration. This may include the value of stock or unit options, amortization of restricted stock or units, and adjustment for officers' compensation. As noncash, this element is an add back when calculating net cash generated by operating activities using the indirect method.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensation</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_SupplementalCashFlowInformationAbstract</nobr></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TransferOfInvestments">
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        <tr>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Value of investments transferred in noncash transactions.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4332-108586<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 32<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4313-108586<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4304-108586<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TransferOfInvestments</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td>xbrli:monetaryItemType</td>
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                    <td>duration</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TransferOfOtherRealEstate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Value of real estate transferred in noncash transactions during the reporting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4332-108586<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 32<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4313-108586<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4304-108586<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TransferOfOtherRealEstate</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0E6NAE">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>Consolidated Statements of Condition (Parenthetical) (USD $)<br></strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2010</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockLiquidationPreference', window );">Perferred Stock, Liquidation Value Per Share</a></td>
        <td class="nump">$ 1,000<span></span></td>
        <td class="nump">$ 1,000<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockSharesAuthorized', window );">Preferred Stock, Shares Authorized</a></td>
        <td class="nump">5,000,000<span></span></td>
        <td class="nump">5,000,000<span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockNoParValue', window );">Common Stock, No Par Value</a></td>
        <td class="nump">$ 0<span></span></td>
        <td class="nump">$ 0<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockSharesAuthorized', window );">Common Stock, Shares Authorized</a></td>
        <td class="nump">25,000,000<span></span></td>
        <td class="nump">25,000,000<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockSharesIssued', window );">Common Stock, Shares, Issued</a></td>
        <td class="nump">18,477,412<span></span></td>
        <td class="nump">18,477,412<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockSharesOutstanding', window );">Common Stock, Shares, Outstanding</a></td>
        <td class="nump">16,332,327<span></span></td>
        <td class="nump">16,289,832<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockShares', window );">Treasury Stock, Shares</a></td>
        <td class="nump">2,145,085<span></span></td>
        <td class="nump">2,187,580<span></span></td>
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      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Series A Preferred Stock [Member]</div>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockSharesIssued', window );">Preferred Stock, Shares Issued</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">10,000<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockSharesOutstanding', window );">Preferred Stock, Shares Outstanding</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">10,000<span></span></td>
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      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Series B Preferred Stock [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockSharesIssued', window );">Preferred Stock, Shares Issued</a></td>
        <td class="nump">11,250<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockSharesOutstanding', window );">Preferred Stock, Shares Outstanding</a></td>
        <td class="nump">11,250<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockNoParValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Issuance value per share of no-par value common stock; generally not indicative of the fair market value per share.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 30<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 129<br><br><br><br> -Paragraph 4<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.29)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CommonStockNoParValue</nobr></td>
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                  <tr>
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                    <td>us-gaap_</td>
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                    <td>num:perShareItemType</td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The maximum number of common shares permitted to be issued by an entity's charter and bylaws.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 30<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.29)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CommonStockSharesAuthorized</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td>xbrli:sharesItemType</td>
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                    <td><strong> Balance Type:</strong></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockSharesIssued">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total number of common shares of an entity that have been sold or granted to shareholders (includes common shares that were issued, repurchased and remain in the treasury). These shares represent capital invested by the firm's shareholders and owners, and may be all or only a portion of the number of shares authorized. Shares issued include shares outstanding and shares held in the treasury.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 30<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.29)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CommonStockSharesIssued</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total number of shares of common stock held by shareholders. May be all or portion of the number of common shares authorized. These shares represent the ownership interest of the common shareholders. Shares outstanding equals shares issued minus shares held in treasury and other adjustments, if any.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 505<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.3-04)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6959260&amp;loc=d3e187085-122770<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 505<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Accounting Principles Board Opinion (APB)<br><br><br><br> -Number 12<br><br><br><br> -Paragraph 10<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.29)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Article 3<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 30<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CommonStockSharesOutstanding</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockLiquidationPreference">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The per share liquidation preference (or restrictions) of nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer) that has a preference in involuntary liquidation considerably in excess of the par or stated value of the shares. The liquidation preference is the difference between the preference in liquidation and the par or stated values of the share.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 505<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 3<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21475-112644<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 505<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 4<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21484-112644<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Article 5<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 29<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 235<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.4-08.(d)(1))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Article 4<br><br><br><br> -Section 08<br><br><br><br> -Paragraph d<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 129<br><br><br><br> -Paragraph 4, 6<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PreferredStockLiquidationPreference</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockSharesAuthorized">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The maximum number of nonredeemable preferred shares (or preferred stock redeemable solely at the option of the issuer) permitted to be issued by an entity's charter and bylaws.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Article 5<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 29<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 129<br><br><br><br> -Paragraph 2, 3, 4, 5, 6, 7, 8<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.28)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PreferredStockSharesAuthorized</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockSharesIssued">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total number of nonredeemable preferred shares (or preferred stock redeemable solely at the option of the issuer) issued to shareholders (includes related preferred shares that were issued, repurchased, and remain in the treasury). May be all or portion of the number of preferred shares authorized. Excludes preferred shares that are classified as debt.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Article 5<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 29<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.28)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PreferredStockSharesIssued</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockSharesOutstanding">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Aggregate share number for all nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer) held by stockholders. Does not include preferred shares that have been repurchased.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Article 5<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 29<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.28)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PreferredStockSharesOutstanding</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TreasuryStockShares">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Number of common and preferred shares that were previously issued and that were repurchased by the issuing entity and held in treasury on the financial statement date. This stock has no voting rights and receives no dividends.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 29, 30<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.28,29)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TreasuryStockShares</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Subordinated Debentures:<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SubordinatedLongtermDebtCurrentAndNoncurrentAbstract', window );"><strong>Subordinated Debentures:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SubordinatedBorrowingsDisclosureTextBlock', window );">Subordinated Debentures:</a></td>
        <td class="text"><div> <div style="min-width: 708px; text-align: center;">

<h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;">Note 10&nbsp;&#8212;&nbsp;Subordinated Debentures: </h2>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">During 2003, the Corporation formed a statutory business trust, which exists for the exclusive purpose of (i) issuing Trust Securities representing undivided beneficial interests in the assets of the Trust; (ii) investing the gross proceeds of the Trust securities in junior subordinated deferrable interest debentures (subordinated debentures) of the Corporation; and (iii) engaging in only those activities necessary or incidental thereto. These subordinated debentures and the related income effects are not eliminated in the consolidated financial statements as the statutory business trust is not consolidated in accordance with FASB ASC 810-10. Distributions on the subordinated debentures owned by the subsidiary trust have been classified as interest expense in the Consolidated Statements of Income. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The following table summarizes the mandatory redeemable trust preferred securities of the Corporation's Statutory Trust II at December 31, 2011. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="608">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="border-bottom: black 1pt solid; text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">Issuance Date</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Securities<br />Issued</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Liquidation Value</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Coupon Rate</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Maturity</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Redeemable by<br />Issuer Beginning</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-top;">12/19/03</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">5,000,000</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: center; vertical-align: text-bottom;">1,000 per<br />Capital<br />Security</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; vertical-align: text-bottom;">Floating<br />3-month<br />LIBOR + 285<br />Basis Points</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">01/23/2034</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">01/23/2009</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div></div> </div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for borrowings under subordinated debt agreements that qualify as available in computing net capital under SEC's uniform net capital rule, including restrictive covenants, collateral, interest rates and due dates, amounts due by date and amount owed in total.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-BRD<br><br> -Chapter 4<br><br> -Paragraph 80<br><br> -Subparagraph Exhibit 4-8, 9<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-BRD<br><br> -Chapter 4<br><br> -Paragraph 08<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                <p>This is focus fiscal period of the document report. For a first quarter 2006 quarterly report, which may also provide financial information from prior periods, the first fiscal quarter should be given as the fiscal period focus. Values: FY, Q1, Q2, Q3, Q4, H1, H2, M9, T1, T2, T3, M8, CY.</p>
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                <p>No definition available.</p>
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                <p>This is focus fiscal year of the document report in CCYY format. For a 2006 annual report, which may also provide financial information from prior periods, fiscal 2006 should be given as the fiscal year focus. Example: 2006.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                <p>The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is CCYY-MM-DD.</p>
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                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_DocumentPeriodEndDate</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
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                    <td><strong> Data Type:</strong></td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The type of document being provided (such as 10-K, 10-Q, N-1A, etc). The document type is limited to the same value as the supporting SEC submission type, minus any "/A" suffix. The acceptable values are as follows: S-1, S-3, S-4, S-11, F-1, F-3, F-4, F-9, F-10, 6-K, 8-K, 10, 10-K, 10-Q, 20-F, 40-F, N-1A, 485BPOS, 497, NCSR, N-CSR, N-CSRS, N-Q, 10-KT, 10-QT, 20-FT, POS AM and Other.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_DocumentType</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>dei:submissionTypeItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation 12B<br><br> -Number 240<br><br> -Section 12b<br><br> -Subsection 1<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_EntityCentralIndexKey</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Indicate number of shares outstanding of each of registrant's classes of common stock, as of latest practicable date. Where multiple classes exist define each class by adding class of stock items such as Common Class A [Member], Common Class B [Member] onto the Instrument [Domain] of the Entity Listings, Instrument</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_EntityCommonStockSharesOutstanding</nobr></td>
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                    <td>dei_</td>
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                    <td>xbrli:sharesItemType</td>
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                    <td>na</td>
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                    <td>instant</td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Indicate "Yes" or "No" whether registrants (1) have filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that registrants were required to file such reports), and (2) have been subject to such filing requirements for the past 90 days. This information should be based on the registrant's current or most recent filing containing the related disclosure.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_EntityCurrentReportingStatus</nobr></td>
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                    <td>na</td>
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                    <td>duration</td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Indicate whether the registrant is one of the following: (1) Large Accelerated Filer, (2) Accelerated Filer, (3) Non-accelerated Filer, or (4) Smaller Reporting Company. Definitions of these categories are stated in Rule 12b-2 of the Exchange Act. This information should be based on the registrant's current or most recent filing containing the related disclosure.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_EntityFilerCategory</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>dei:filerCategoryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>State aggregate market value of voting and non-voting common equity held by non-affiliates computed by reference to price at which the common equity was last sold, or average bid and asked price of such common equity, as of the last business day of registrant's most recently completed second fiscal quarter. The public float should be reported on the cover page of the registrants form 10K.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation 12B<br><br> -Number 240<br><br> -Section 12b<br><br> -Subsection 1<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_EntityRegistrantName</nobr></td>
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                    <td>duration</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Indicate "Yes" or "No" if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_EntityVoluntaryFilers</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>dei:yesNoItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Indicate "Yes" or "No" if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Is used on Form Type: 10-K, 10-Q, 8-K, 20-F, 6-K, 10-K/A, 10-Q/A, 20-F/A, 6-K/A, N-CSR, N-Q, N-1A.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_EntityWellKnownSeasonedIssuer</nobr></td>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>41
<FILENAME>R18.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Income Taxes<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComponentsOfIncomeTaxExpenseBenefitContinuingOperationsAbstract', window );"><strong>Income Taxes</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxDisclosureTextBlock', window );">Income Taxes</a></td>
        <td class="text"><div> <div style="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;" align="justify">

<div style="min-width: 708px; text-align: center;">

<h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;">Note 11&nbsp;&#8212;&nbsp;Income Taxes </h2>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The current and deferred amounts of income tax expense for the years ended December 31, 2011, 2010 and 2009, respectively, are as follows: </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2011</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2010</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2009</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11"><font style="font-weight: normal;" class="_mt">(Dollars in Thousands)</font></td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;">Current:<br /></td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Federal</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">3,818</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">(27</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">(19</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">State</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">187</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">198</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">146</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Subtotal</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">4,005</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">171</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">127</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;">Deferred:<br /></td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Federal</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">2,157</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(191</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">824</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">State</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">1,249</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">242</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">(5</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Subtotal</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">3,406</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">51</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">819</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Income tax expense</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">7,411</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">222</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">946</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Reconciliation between the amount of reported income tax expense and the amount computed by applying the statutory Federal income tax rate is as follows: </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2011</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2010</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2009</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11"><font style="font-weight: normal;" class="_mt">(Dollars in Thousands)</font></td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Income before income tax expense</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">21,337</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">7,226</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">4,717</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Federal statutory rate</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">35</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">34</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">34</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Computed "expected" Federal income tax expense</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">7,468</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">2,457</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1,604</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">State tax, net of Federal tax benefit</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">933</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">291</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">93</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Bank owned life insurance</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(363</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(417</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(393</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Tax-exempt interest and dividends</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(595</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(75</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(334</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Tax on Bank Owned Life Insurance policy surrender gain</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">539</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Reversal of unrealized tax benefit &amp; interest</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(2,551</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Other, net</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">(32</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">(22</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">(24</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Income tax</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">7,411</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">222</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">946</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The tax effects of temporary differences that give rise to significant portions of the deferred tax asset and deferred tax liability at December 31, 2011 and 2010 are presented in the following table: </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2011</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2010</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7"><font style="font-weight: normal;" class="_mt">(Dollars in Thousands)</font></td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;">Deferred tax assets:<br /></td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Impaired assets</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">2,820</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">2,621</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Allowance for loan losses</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">3,810</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">3,358</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Employee benefit plans</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">13</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">59</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Unrealized losses on securities available-for-sale</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1,154</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">3,462</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Pension actuarial losses</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">2,150</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1,566</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Other</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">512</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">656</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Federal AMT Credits</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">854</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">3,874</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">NJ NOL</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">373</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1,258</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">NJ AMA credits</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">210</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">213</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Total deferred tax assets</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">11,896</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">17,067</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;">Deferred tax liabilities:<br /></td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Depreciation</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">303</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">298</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Market discount accretion</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">43</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">29</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Deferred loan costs, net of fees</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">397</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">435</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Purchase accounting</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">40</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">62</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Total deferred tax liabilities</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">783</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">824</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Net deferred tax asset</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">11,113</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">16,243</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Based on the Corporation's historical and current taxable income and the projected future taxable income, management believes it is more likely than not that the Corporation will realize the benefit of the net deductible temporary differences existing at December 31, 2011 and 2010, respectively. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">At December 31, 2011, the Corporation has no federal income tax loss carry forwards, and has state income tax loss carry forwards of approximately $6.4 million, which have expirations beginning in the year 2014. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">In assessing the realization of deferred tax assets, management considers whether it is more likely than not that some portion or all of the deferred tax assets will not be realized. The ultimate realization of deferred tax assets is dependent upon the generation of future taxable income during periods in which those temporary differences become deductible. Management considers the scheduled reversal of deferred tax liabilities, the projected future taxable income, and tax planning strategies in making this assessment. During 2011 and 2010, based on the level of historical taxable income and projections for future taxable income over the periods in which the deferred tax assets are deductible, the Corporation believes the net deferred tax assets are more likely than not to be realized. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The Corporation's federal income tax returns are open and subject to examination from the 2008 tax return year and forward. The Corporation's state income tax returns are generally open from the 2007 and later tax return years based on individual state statute of limitations. </p></div></div> </div><span></span></td>
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                    <td>us-gaap_</td>
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                    <td>xbrli:stringItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for income taxes. Disclosures may include net deferred tax liability or asset recognized in an enterprise's statement of financial position, net change during the year in the total valuation allowance, approximate tax effect of each type of temporary difference and carryforward that gives rise to a significant portion of deferred tax liabilities and deferred tax assets, utilization of a tax carryback, and tax uncertainties information.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32537-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 136, 172<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 43, 44, 45, 46, 47, 48, 49<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Article 4<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32559-109319<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32718-109319<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeTaxDisclosureTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>42
<FILENAME>R4.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EPSAI">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Consolidated Statements Of Income (USD $)<br>In Thousands, except Share data, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2010</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2009</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseNetAbstract', window );"><strong>Interest income:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndFeeIncomeLoansAndLeases', window );">Interest and fees on loans</a></td>
        <td class="nump">$ 36,320<span></span></td>
        <td class="nump">$ 37,200<span></span></td>
        <td class="nump">$ 36,751<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentIncomeInterestAndDividendAbstract', window );"><strong>Interest and dividends on investment securities:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeSecuritiesTaxable', window );">Taxable interest income</a></td>
        <td class="nump">13,278<span></span></td>
        <td class="nump">10,588<span></span></td>
        <td class="nump">12,727<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeSecuritiesTaxExempt', window );">Non-taxable interest income</a></td>
        <td class="nump">1,700<span></span></td>
        <td class="nump">220<span></span></td>
        <td class="nump">989<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendIncomeOperating', window );">Dividends</a></td>
        <td class="nump">629<span></span></td>
        <td class="nump">706<span></span></td>
        <td class="nump">643<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeOperating', window );">Total interest income</a></td>
        <td class="nump">51,927<span></span></td>
        <td class="nump">48,714<span></span></td>
        <td class="nump">51,110<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseAbstract', window );"><strong>Interest expense:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseTimeDeposits100000OrMore', window );">Interest on certificates of deposit $100 &amp; over</a></td>
        <td class="nump">1,215<span></span></td>
        <td class="nump">1,301<span></span></td>
        <td class="nump">3,551<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseOtherDomesticDeposits', window );">Interest on other deposits</a></td>
        <td class="nump">4,305<span></span></td>
        <td class="nump">4,705<span></span></td>
        <td class="nump">8,757<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseShortTermBorrowings', window );">Interest on short-term borrowings</a></td>
        <td class="nump">79<span></span></td>
        <td class="nump">211<span></span></td>
        <td class="nump">449<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseLongTermDebt', window );">Interest on long-term borrowings</a></td>
        <td class="nump">6,578<span></span></td>
        <td class="nump">8,568<span></span></td>
        <td class="nump">9,888<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpense', window );">Total interest expense</a></td>
        <td class="nump">12,177<span></span></td>
        <td class="nump">14,785<span></span></td>
        <td class="nump">22,645<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseNet', window );">Net interest income</a></td>
        <td class="nump">39,750<span></span></td>
        <td class="nump">33,929<span></span></td>
        <td class="nump">28,465<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanAndLeaseLosses', window );">Provision for loan losses</a></td>
        <td class="nump">2,448<span></span></td>
        <td class="nump">5,076<span></span></td>
        <td class="nump">4,597<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss', window );">Net interest income, after provision for loan losses</a></td>
        <td class="nump">37,302<span></span></td>
        <td class="nump">28,853<span></span></td>
        <td class="nump">23,868<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncomeAbstract', window );"><strong>Other income:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FeesAndCommissions', window );">Service charges, commissions and fees</a></td>
        <td class="nump">1,896<span></span></td>
        <td class="nump">1,975<span></span></td>
        <td class="nump">1,835<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InsuranceCommissionsAndFees', window );">Annuity and insurance</a></td>
        <td class="nump">110<span></span></td>
        <td class="nump">123<span></span></td>
        <td class="nump">126<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BankOwnedLifeInsuranceIncome', window );">Bank-owned life insurance</a></td>
        <td class="nump">1,038<span></span></td>
        <td class="nump">1,226<span></span></td>
        <td class="nump">1,156<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncomeOtherOperatingIncome', window );">Other</a></td>
        <td class="nump">800<span></span></td>
        <td class="nump">487<span></span></td>
        <td class="nump">298<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairmentOfInvestments', window );">Total other-than-temporary impairment losses</a></td>
        <td class="num">(342)<span></span></td>
        <td class="num">(8,953)<span></span></td>
        <td class="num">(9,066)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionInOtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent', window );">Less: Portion of loss recognized in other comprehensive income (before taxes)</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">3,377<span></span></td>
        <td class="nump">4,828<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MarketableSecuritiesRealizedGainLossOtherThanTemporaryImpairmentsAmount', window );">Net other-than-temporary impairment losses</a></td>
        <td class="num">(342)<span></span></td>
        <td class="num">(5,576)<span></span></td>
        <td class="num">(4,238)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MarketableSecuritiesRealizedGainLoss', window );">Net gains on sale of investment securities</a></td>
        <td class="nump">3,976<span></span></td>
        <td class="nump">4,237<span></span></td>
        <td class="nump">4,729<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainLossOnSaleOfSecuritiesNet', window );">Net investment securities gains (losses)</a></td>
        <td class="nump">3,634<span></span></td>
        <td class="num">(1,339)<span></span></td>
        <td class="nump">491<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncome', window );">Total other income</a></td>
        <td class="nump">7,478<span></span></td>
        <td class="nump">2,472<span></span></td>
        <td class="nump">3,906<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestExpenseAbstract', window );"><strong>Other expense:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LaborAndRelatedExpense', window );">Salaries and employee benefits</a></td>
        <td class="nump">11,527<span></span></td>
        <td class="nump">10,765<span></span></td>
        <td class="nump">9,915<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OccupancyNet', window );">Occupancy, net</a></td>
        <td class="nump">2,021<span></span></td>
        <td class="nump">2,088<span></span></td>
        <td class="nump">2,536<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EquipmentExpense', window );">Premises and equipment</a></td>
        <td class="nump">926<span></span></td>
        <td class="nump">1,093<span></span></td>
        <td class="nump">1,263<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalDepositInsuranceCorporationPremiumExpense', window );">FDIC Insurance</a></td>
        <td class="nump">1,712<span></span></td>
        <td class="nump">2,126<span></span></td>
        <td class="nump">2,055<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProfessionalFees', window );">Professional and consulting</a></td>
        <td class="nump">1,156<span></span></td>
        <td class="nump">1,121<span></span></td>
        <td class="nump">811<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SuppliesExpense', window );">Stationery and printing</a></td>
        <td class="nump">368<span></span></td>
        <td class="nump">316<span></span></td>
        <td class="nump">339<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MarketingExpense', window );">Marketing and advertising</a></td>
        <td class="nump">131<span></span></td>
        <td class="nump">268<span></span></td>
        <td class="nump">366<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InformationTechnologyAndDataProcessing', window );">Computer expense</a></td>
        <td class="nump">1,312<span></span></td>
        <td class="nump">1,366<span></span></td>
        <td class="nump">964<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ForeclosedRealEstateExpense', window );">Other real estate owned expense, net</a></td>
        <td class="nump">398<span></span></td>
        <td class="nump">284<span></span></td>
        <td class="nump">1,438<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainLossOnDispositionOfProperty', window );">Loss on fixed assets, net</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">427<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherNonrecurringExpense', window );">Repurchase agreement termination fee</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">594<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherNoninterestExpense', window );">Other</a></td>
        <td class="nump">3,892<span></span></td>
        <td class="nump">3,651<span></span></td>
        <td class="nump">3,370<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestExpense', window );">Total other expense</a></td>
        <td class="nump">23,443<span></span></td>
        <td class="nump">24,099<span></span></td>
        <td class="nump">23,057<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments', window );">Income before income tax expense</a></td>
        <td class="nump">21,337<span></span></td>
        <td class="nump">7,226<span></span></td>
        <td class="nump">4,717<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Income tax expense</a></td>
        <td class="nump">7,411<span></span></td>
        <td class="nump">222<span></span></td>
        <td class="nump">946<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net Income</a></td>
        <td class="nump">13,926<span></span></td>
        <td class="nump">7,004<span></span></td>
        <td class="nump">3,771<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockDividendsAndOtherAdjustments', window );">Preferred stock dividends and accretion</a></td>
        <td class="nump">820<span></span></td>
        <td class="nump">581<span></span></td>
        <td class="nump">567<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic', window );">Net income available to common stockholders</a></td>
        <td class="nump">$ 13,106<span></span></td>
        <td class="nump">$ 6,423<span></span></td>
        <td class="nump">$ 3,204<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareAbstract', window );"><strong>Earnings per common share:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareBasic', window );">Basic</a></td>
        <td class="nump">$ 0.80<span></span></td>
        <td class="nump">$ 0.43<span></span></td>
        <td class="nump">$ 0.24<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareDiluted', window );">Diluted</a></td>
        <td class="nump">$ 0.80<span></span></td>
        <td class="nump">$ 0.43<span></span></td>
        <td class="nump">$ 0.24<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareBasicOtherDisclosuresAbstract', window );"><strong>Weighted average common shares outstanding:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic', window );">Basic</a></td>
        <td class="nump">16,295,761<span></span></td>
        <td class="nump">15,025,870<span></span></td>
        <td class="nump">13,382,614<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding', window );">Diluted</a></td>
        <td class="nump">16,314,899<span></span></td>
        <td class="nump">15,027,159<span></span></td>
        <td class="nump">13,385,416<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BankOwnedLifeInsuranceIncome">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Earnings on or other increases in the value of the cash surrender value of bank owned life insurance policies.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.13)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_BankOwnedLifeInsuranceIncome</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DividendIncomeOperating">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Earned dividend income on equity securities that are part of the trading and investment portfolios owned by the entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 2<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-BRD<br><br> -Chapter 4<br><br> -Paragraph 9, 51, 56<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DividendIncomeOperating</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EarningsPerShareAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareBasic">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 55<br><br> -Paragraph 52<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6945512&amp;loc=d3e4984-109258<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 07-4<br><br> -Paragraph 4<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 03<br><br> -Paragraph 20<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.19)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 7<br><br> -Paragraph 18<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.23)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 128<br><br> -Paragraph 36, 37, 38<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.21)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 21<br><br> -Article 9<br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920599&amp;loc=d3e1252-109256<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EarningsPerShareBasic</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareBasicOtherDisclosuresAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EarningsPerShareBasicOtherDisclosuresAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareDiluted">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of net income (loss) for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 128<br><br> -Paragraph 11, 12, 36<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.21)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 03<br><br> -Paragraph 20<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920599&amp;loc=d3e1252-109256<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 7<br><br> -Paragraph 18<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 21<br><br> -Article 9<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 07-4<br><br> -Paragraph 4<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EarningsPerShareDiluted</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EquipmentExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This element represents equipment expense including depreciation, repairs, rentals, and service contract costs. This item also includes equipment purchases which do not qualify for capitalization in accordance with the entity's accounting policy. This item may also include furniture expenses.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EquipmentExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalDepositInsuranceCorporationPremiumExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The premium paid to the Federal Deposit Insurance Corporation for deposit insurance which is included in noninterest expense.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.14)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FederalDepositInsuranceCorporationPremiumExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FeesAndCommissions">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total fees and commissions earned from providing services such as leasing of space or maintaining: (1) depositor accounts; (2) transfer agent; (3) fiduciary and trust; (4) brokerage and underwriting; (5) mortgage; (6) credit cards; (7) correspondent clearing; and (8) other such services and activities performed for others.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Chapter V<br><br> -Section 563c.102<br><br> -Paragraph 13<br><br> -Subsection II<br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 13<br><br> -Article 9<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.13)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FeesAndCommissions</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ForeclosedRealEstateExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of expense recognized during the period for the foreclosure on real estate assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ForeclosedRealEstateExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainLossOnDispositionOfProperty">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The gains (losses) included in results of operations resulting from the sale or disposal of property, plant and equipment, which do not qualify for treatment as discontinued operations. This item does not include any gain (loss) recognized on the sale of oil and gas property or timber property.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 360<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6390789&amp;loc=d3e2443-110228<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 144<br><br> -Paragraph 37, 41, 42, 43, 45<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 360<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6391110&amp;loc=d3e2941-110230<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 205<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6360339&amp;loc=d3e1361-107760<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_GainLossOnDispositionOfProperty</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainLossOnSaleOfSecuritiesNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net gain (loss) realized from the sale, exchange, redemption, or retirement of securities, not separately or otherwise categorized as trading, available-for-sale, or held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 9<br><br> -Section 04<br><br> -Paragraph 13<br><br> -Subparagraph h<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 3<br><br> -Article 7<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.13(h))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_GainLossOnSaleOfSecuritiesNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairmentOfInvestments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount by which the fair value of an investment is less than the amortized cost basis or carrying amount of that investment at the balance sheet date and the decline in fair value is deemed to be other than temporary, before considering whether or not such amount is recognized in earnings or other comprehensive income.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS115-1/124-1<br><br> -Paragraph 15C<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS115-1/124-1<br><br> -Paragraph 15D<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 16<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS115-1/124-1<br><br> -Paragraph 16B<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 35<br><br> -Paragraph 34<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6956420&amp;loc=d3e25351-111560<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS115-2/124-2<br><br> -Paragraph 22<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ImpairmentOfInvestments</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of operating profit and nonoperating income or expense before Income or Loss from equity method investments, income taxes, extraordinary items, and noncontrolling interest.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 4<br><br> -Section 08<br><br> -Paragraph h<br><br> -Subparagraph 1(i)<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h)(1)(i))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxExpenseBenefit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The sum of the current income tax expense or benefit and the deferred income tax expense or benefit pertaining to continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Income Tax Expense (or Benefit)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6515339<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (a),(b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Article 4<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 45<br><br> -Subparagraph a, b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeTaxExpenseBenefit</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InformationTechnologyAndDataProcessing">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of expenses incurred in the period for information technology and data processing products and services.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.6)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InformationTechnologyAndDataProcessing</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InsuranceCommissionsAndFees">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Income from agency and brokerage operations (includes sales of annuities and supplemental contracts); service charges, commissions, and fees from the sale of insurance and related services; and management fees from separate accounts, deferred annuities, and universal life products. May also include an entity's proportionate share of the income or loss before extraordinary items and other adjustments from its investments in: unconsolidated subsidiaries, associated companies, and corporate joint ventures, unincorporated joint ventures, general partnerships, and limited partnerships over which the entity exercises significant influence that are principally engaged in insurance underwriting, reinsurance, or insurance sales activities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 9<br><br> -Section 04<br><br> -Paragraph 13<br><br> -Subparagraph c, d<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 7<br><br> -Section 04<br><br> -Paragraph 4<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.13(c),(d))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InsuranceCommissionsAndFees</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestAndDividendIncomeOperating">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents the total of interest and dividend income, including any amortization and accretion (as applicable) of discounts and premiums, earned from (1) loans and leases whether held-for-sale or held-in-portfolio; (2) investment securities; (3) federal funds sold; (4) securities purchased under agreements to resell; (5) investments in banker's acceptances, commercial paper, or certificates of deposit; (6) dividend income; or (7) other investments not otherwise specified herein.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-BRD<br><br> -Chapter 4<br><br> -Paragraph 9, 51, 54<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 9<br><br> -Section 04<br><br> -Paragraph 1, 2 , 3, 4, 5<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.1-5)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestAndDividendIncomeOperating</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestAndFeeIncomeLoansAndLeases">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate interest and fee income generated by: (1) loans the Entity has positive intent and ability to hold for the foreseeable future, or until maturity or payoff, including commercial and consumer loans, whether domestic or foreign, which may consist of: (a) industrial and agricultural; (b) real estate; and (c) real estate construction loans; (d) trade financing; (e) lease financing; (f) home equity lines-of-credit; (g) automobile and other vehicle loans; and (h) credit card and other revolving-type loans and (2) loans and leases held-for-sale which may include mortgage loans, direct financing, and sales-type leases.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 1<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestAndFeeIncomeLoansAndLeases</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cost of borrowed funds accounted for as interest that was charged against earnings during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 835<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6450988&amp;loc=d3e26243-108391<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.9)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 34<br><br> -Paragraph 21<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 9<br><br> -Article 9<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Chapter V<br><br> -Section 563c.102<br><br> -Paragraph 9<br><br> -Subsection II<br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpenseAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestExpenseAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpenseLongTermDebt">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Aggregate amount of interest paid or due on all long-term debt.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 8<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Chapter V<br><br> -Section 563c.102<br><br> -Subsection I<br><br> -Paragraph 8<br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.8)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestExpenseLongTermDebt</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td>duration</td>
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          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpenseOtherDomesticDeposits">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Interest expense incurred on other deposits in domestic offices.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Chapter V<br><br> -Section 563c.102<br><br> -Paragraph 6<br><br> -Subsection II<br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 6<br><br> -Article 9<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.6)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestExpenseOtherDomesticDeposits</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpenseShortTermBorrowings">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate interest expense incurred on short-term borrowings including commercial paper and Federal funds purchased and securities sold under agreements to repurchase.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 7<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Chapter V<br><br> -Section 563c.102<br><br> -Paragraph 7<br><br> -Subsection II<br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.7)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestExpenseShortTermBorrowings</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpenseTimeDeposits100000OrMore">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Interest expense incurred on time deposits, including certificates of deposits, of $100,000 or more in domestic offices.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Chapter V<br><br> -Section 563c.102<br><br> -Paragraph 6<br><br> -Subsection II<br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 6<br><br> -Article 9<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.6)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestExpenseTimeDeposits100000OrMore</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Net interest and dividend income or expense, including any amortization and accretion (as applicable) of discounts and premiums, including consideration of the provisions for loan, lease, credit, and other related losses, if any.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 12<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestIncomeExpenseNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net amount of operating interest income (expense).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 10<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.10)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestIncomeExpenseNet</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestIncomeExpenseNetAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestIncomeExpenseNetAbstract</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestIncomeSecuritiesTaxable">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Interest income derived from investment securities which are subject to federal income taxes.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 2<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestIncomeSecuritiesTaxable</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestIncomeSecuritiesTaxExempt">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Interest income derived from securities which are exempt from federal income taxes.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 2<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestIncomeSecuritiesTaxExempt</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentIncomeInterestAndDividendAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InvestmentIncomeInterestAndDividendAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LaborAndRelatedExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount of expenditures for salaries, wages, profit sharing and incentive compensation, and other employee benefits, including equity-based compensation, and pension and other postretirement benefit expense.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LaborAndRelatedExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_MarketableSecuritiesRealizedGainLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the total realized gain (loss) included in earnings for the period as a result of selling marketable securities categorized as trading, available-for-sale, or held-to-maturity. Additionally, this item would include any losses recognized for other than temporary impairments (OTTI) of the subject investments in debt and equity securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 10<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27405-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 16<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27357-111563<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.7(c))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_MarketableSecuritiesRealizedGainLoss</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_MarketableSecuritiesRealizedGainLossOtherThanTemporaryImpairmentsAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This element represents the amount of loss recognized for other than temporary impairments (OTTI) of investments in debt and equity securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 16<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SAB TOPIC 5.M)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6784337&amp;loc=d3e87990-122713<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_MarketableSecuritiesRealizedGainLossOtherThanTemporaryImpairmentsAmount</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_MarketingExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Expenditures for planning and executing the conception, pricing, promotion, and distribution of ideas, goods, and services. Costs of public relations and corporate promotions are typically considered to be marketing costs.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_MarketingExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
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                    <td><strong> Balance Type:</strong></td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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        </tr>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.22)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.18)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e565-108580<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph A7<br><br> -Appendix A<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 10, 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  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This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 87-21<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 12: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Net Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br><br><br>Reference 13: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.19)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 14: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 03<br><br> -Paragraph 19<br><br><br><br>Reference 15: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28, 29, 30<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 16: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 20<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetIncomeLoss</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Net income after adjustments for dividends on preferred stock (declared in the period) and/or cumulative preferred stock (accumulated for the period).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 128<br><br> -Paragraph 9<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920599&amp;loc=d3e1377-109256<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic</nobr></td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total aggregate amount of all noninterest expense.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Chapter V<br><br> -Section 563c.102<br><br> -Paragraph 14<br><br> -Subsection II<br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 14<br><br> -Article 9<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.14)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NoninterestExpense</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NoninterestExpenseAbstract</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
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        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestIncome">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The total amount of noninterest income which may be derived from: (1) fees and commissions; (2) premiums earned; (3) insurance policy charges; (4) the sale or disposal of assets; and (5) other sources not otherwise specified.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Chapter V<br><br> -Section 563c.102<br><br> -Paragraph 13<br><br> -Subsection II<br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 13<br><br> -Article 9<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.13)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NoninterestIncome</nobr></td>
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                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NoninterestIncomeAbstract</nobr></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents other forms of revenue earned, excluding interest, which is not otherwise specified in the taxonomy.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 13<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of net occupancy expense that may include items, such as depreciation of facilities and equipment, lease expenses, property taxes and property and casualty insurance expense.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 840<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6455398&amp;loc=d3e45280-112737<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 13<br><br> -Paragraph 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-BRD<br><br> -Chapter 4<br><br> -Paragraph 62<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 13<br><br> -Paragraph 16<br><br> -Subparagraph d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.14(b))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 13<br><br> -Paragraph 16<br><br> -Subparagraph c<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 13<br><br> -Paragraph 16<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.6)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OccupancyNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherNoninterestExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Other noninterest expenses that are not separately presented in any other noninterest expense category.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.14)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherNoninterestExpense</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherNonrecurringExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Expenses charged against earnings in the period of an event that is infrequent in occurrence or unusual in nature.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6365513&amp;loc=d3e15122-107781<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherNonrecurringExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionInOtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of other than temporary impairment (OTTI) loss on a debt security, categorized as either Available-for-sale or Held-to-maturity, related to factors other than credit losses when the entity does not intend to sell the security and it is not more likely than not that the entity will be required to sell the security before recovery of its amortized cost basis. This amount which is attributable to the parent, is a portion of the deduction from the total impairment losses of Investments (before taxes) presented on the income statement.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 17<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS115-1/124-1<br><br> -Paragraph 15D<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionInOtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockDividendsAndOtherAdjustments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate value of preferred stock dividends and other adjustments necessary to derive net income apportioned to common stockholders.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920599&amp;loc=d3e1377-109256<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PreferredStockDividendsAndOtherAdjustments</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProfessionalFees">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>A fee charged for services from professionals such as doctors, lawyers and accountants. The term is often expanded to include other professions, for example, pharmacists charging to maintain a medicinal profile of a client or customer.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 946<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.6-07.2(a),(b),(c),(d))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6488393&amp;loc=d3e606610-122999<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 946<br><br> -SubTopic 225<br><br> -Section 45<br><br> -Paragraph 3<br><br> -Subparagraph (k)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6488370&amp;loc=d3e13550-115849<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProfessionalFees</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProvisionForLoanAndLeaseLosses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The sum of the periodic provision charged to operations, based on an assessment of the uncollectibility of the loan and lease portfolio, the offset to which is either added to or deducted from the allowance account for the purpose of reducing loan receivable and leases to an amount that approximates their net realizable value (the amount expected to be collected).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.11)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 9<br><br> -Section 04<br><br> -Paragraph 11<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 5<br><br> -Paragraph 168, 169, 170<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProvisionForLoanAndLeaseLosses</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SuppliesExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of expense associated with supplies that were used during the current accounting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.14)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_SuppliesExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The average number of shares or units issued and outstanding that are used in calculating diluted EPS or earnings per unit (EPU), determined based on the timing of issuance of shares or units in the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 16<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920599&amp;loc=d3e1505-109256<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 07-4<br><br> -Paragraph 4<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 128<br><br> -Paragraph 40<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 128<br><br> -Paragraph 8<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Number of [basic] shares or units, after adjustment for contingently issuable shares or units and other shares or units not deemed outstanding, determined by relating the portion of time within a reporting period that common shares or units have been outstanding to the total time in that period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 10<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920599&amp;loc=d3e1448-109256<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 128<br><br> -Paragraph 171<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Weighted-Average Number of Common Shares Outstanding<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6528421<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 128<br><br> -Paragraph 40<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 128<br><br> -Paragraph 8<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 07-4<br><br> -Paragraph 4<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_WeightedAverageNumberOfSharesOutstandingBasic</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
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            </div>
          </td>
        </tr>
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  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Loans and the Allowance for Loan Losses<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ReceivablesAbstract', window );"><strong>Loans and the Allowance for Loan Losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock', window );">Loans and the Allowance for Loan Losses</a></td>
        <td class="text"><div> <div style="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;" align="left">

<div style="min-width: 708px; text-align: center;">

<h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;">Note 5&nbsp;&#8212;&nbsp;Loans and the Allowance for Loan Losses </h2>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The following table sets forth the composition of the Corporation's loan portfolio including net deferred fees and costs, at December 31, 2011 and 2010, respectively: </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2011</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2010</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7"><font style="font-weight: normal;" class="_mt">(Dollars in Thousands)</font></td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Commercial and industrial</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">146,662</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">121,034</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Commercial real estate</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">408,010</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">372,001</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Construction</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">39,382</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">49,744</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Residential mortgage</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">160,999</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">165,154</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Installment</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">957</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">511</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Total loans</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">756,010</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">708,444</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Included in the loan balances above are net deferred loan costs of $17,000 and $258,000 at December 31, 2011 and 2010, respectively. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">At December 31, 2011 and 2010, loans to officers and directors aggregated approximately $10,279,000 and $5,456,000, respectively. During the year ended December 31, 2011, the Corporation made new loans to officers and directors in the amount of $6,875,000; payments by such persons during 2011 aggregated $2,052,000. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Management is of the opinion that the above loans were made on the same terms and conditions as those prevailing for comparable transactions with non-related borrowers. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">At December 31, 2011 and 2010 loan balances of approximately $469.5 million and $435.9 million were pledged to secure short term borrowings from the Federal Reserve Bank of New York and Federal Home Loan Bank Advances. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">During the second quarter of 2010, the Corporation entered into a lease of its former operations facility under a direct financing lease. The lease has a 15 year term with no renewal options. According to the terms of the lease, the lessee has an obligation to purchase the property underlying the lease in either year seven (7), ten (10) or fifteen (15) at predetermined prices for those years as provided in the lease. The structure of the minimum lease payments and the purchase prices as provided in the lease provide an inducement to the lessee to purchase the property in year seven (7). </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">At December 31, 2011 and 2010, the net investment in direct financing lease consists of a minimum lease receivable of $4,870,000 and $5,026,000, respectively, and unearned interest income of $1,123,000 and $1,317,000, respectively, for a net investment in direct financing lease of $3,747,000 and $3,709,000, respectively. The net investment in direct financing lease is carried as a component of loans in the Corporation's consolidated statements of condition. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Minimum future lease receipts of the direct financing lease are as follows: </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="border-bottom: black 1pt solid; text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">For years ending December 31,</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">(Dollars in Thousands)</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">2012</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">171</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">2013</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">216</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">2014</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">216</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">2015</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">228</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">2016</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">265</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Thereafter</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">2,651</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 3px double; padding-left: 20pt; vertical-align: text-bottom;">Total minimum future lease receipts</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">3,747</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The following table presents information about loan receivables on non-accrual status at December 31, 2011 and 2010: </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2011</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2010</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7"><font style="font-weight: normal;" class="_mt">(Dollars in Thousands)</font></td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Commercial and industrial</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">125</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">456</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Commercial real estate</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">225</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">3,563</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Construction</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">3,044</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">5,865</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Residential mortgage</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">3,477</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">1,290</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Total loans receivable on non-accrual status</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">6,871</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">11,174</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The Corporation continuously monitors the credit quality of its loans receivable. In addition to the internal staff, the Corporation utilizes the services of a third party loan review firm to rate the credit quality of its loans receivable. Credit quality is monitored by reviewing certain credit quality indicators. Assets classified "Pass" are deemed to possess average to superior credit quality, requiring no more than normal attention. Assets classified as "Special Mention" have generally acceptable credit quality yet possess higher risk characteristics/circumstances than satisfactory assets. Such conditions include strained liquidity, slow pay, stale financial statements, or other conditions that require more stringent attention from the lending staff. These conditions, if not corrected, may weaken the loan quality or inadequately protect the Corporation's credit position at some future date. Assets are classified "Substandard" if the asset has a well defined weakness that requires management's attention to a greater degree than for loans classified special mention. Such weakness, if left uncorrected, could possibly result in the compromised ability of the loan to perform to contractual requirements. An asset is classified as "Doubtful" if it is inadequately protected by the net worth and/or paying capacity of the obligor or of the collateral, if any, that secures the obligation. Assets classified as doubtful include assets for which there is a "distinct possibility" that a degree of loss will occur if the inadequacies are not corrected. All loans past due 90 days or more and all impaired loans are included in the appropriate category below. The following table presents information about the loan credit quality at December 31, 2011 and 2010: </p>

<h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;">Credit Quality Indicators </h2>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="608">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="19">December 31, 2011</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="19">(Dollars in Thousands)</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Pass</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Special<br />Mention</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Substandard</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Doubtful</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Total</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Commercial and industrial</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">143,048</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">2,022</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">1,592</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">146,662</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Commercial real estate</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">371,365</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">24,282</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">12,363</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">408,010</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Construction</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">36,338</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">3,044</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">39,382</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Residential mortgage</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">155,326</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">5,673</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">160,999</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Installment</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">957</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">957</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Total loans</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">707,034</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">26,304</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">22,672</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">&nbsp;&#8212;</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">756,010</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div>

<h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;">Credit Quality Indicators</h2>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="608">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="19">December 31, 2010</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="19">(Dollars in Thousands)</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Pass</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Special<br />Mention</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Substandard</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Doubtful</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Total</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Commercial and industrial</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">116,741</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">1,929</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">2,364</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">121,034</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Commercial real estate</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">345,096</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">15,383</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">11,522</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">372,001</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Construction</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">43,879</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">3,588</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">2,277</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">49,744</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Residential mortgage</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">161,558</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">3,596</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">165,154</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Installment</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">511</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">511</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Total loans</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">667,785</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">17,312</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">21,070</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">2,277</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">708,444</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The following table provides an analysis of the impaired loans at December 31, 2011 and 2010: </p>

<h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;">Impaired Loans </h2>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="608">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="19">December 31, 2011</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="19">(Dollars in Thousands)</td></tr>
<tr><td style="border-bottom: black 1pt solid; text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">No Related Allowance Recorded</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Recorded<br />Investment</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Unpaid<br />Principal<br />Balance</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Related<br />Allowance</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Average<br />Recorded<br />Investment</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Interest<br />Income<br />Recognized</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Commercial and industrial</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">292</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">11</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Commercial real estate</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">2,121</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">2,570</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">3,390</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">149</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Construction</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">3,156</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Total</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">2,121</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">2,570</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">&nbsp;&#8212;</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">6,838</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">160</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="608">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="border-bottom: black 1pt solid; text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">With An Allowance Recorded</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Recorded<br />Investment</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Unpaid Principal<br />Balance<br /></td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Related<br />Allowance<br /></td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Average<br />Recorded<br />Investment</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Interest<br />Income<br />Recognized</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Commercial real estate</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">4,180</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">4,180</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">567</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">4,583</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">258</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Construction</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">3,044</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">3,584</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">200</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">3,048</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">18</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Residential mortgage</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">4,601</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">4,601</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">318</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">4,572</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">102</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Total</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">11,825</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">12,365</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">1,085</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">12,203</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">378</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;"><u>Total</u><br /></td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Commercial and industrial</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">292</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">11</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Commercial real estate</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">6,301</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">6,750</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">567</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">7,973</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">407</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Construction</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">3,044</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">3,584</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">200</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">6,204</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">18</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Residential mortgage</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">4,601</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">4,601</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">318</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">4,572</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">102</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Total (including related allowance)</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">13,946</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">14,935</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">1,085</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">19,041</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">538</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div>

<h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;">Impaired Loans </h2>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="608">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="19">December 31, 2010</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="19">(Dollars in Thousands)</td></tr>
<tr><td style="border-bottom: black 1pt solid; text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">No Related Allowance Recorded</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Recorded<br />Investment</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Unpaid<br />Principal<br />Balance</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Related<br />Allowance</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Average<br />Recorded<br />Investment</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Interest<br />Income<br />Recognized</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Commercial and industrial</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">1,364</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">1,908</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">1,933</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">87</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Commercial real estate</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">3,984</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">4,625</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">4,274</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">78</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Construction</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">5,865</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">8,642</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">6,855</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">112</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Residential mortgage</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">1,462</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">1,765</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">1,711</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">27</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Total</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">12,675</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">16,940</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">&nbsp;&#8212;</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">14,773</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">304</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="608">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="border-bottom: black 1pt solid; text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">With An Allowance Recorded</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Recorded Investment</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Unpaid Principal Balance</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Related Allowance</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Average Recorded Investment</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Interest Income Recognized</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Commercial real estate</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">4,180</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">4,180</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">618</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">4,181</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">204</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Residential mortgage</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">1,354</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">1,354</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">21</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">1,356</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">76</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Total</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">5,534</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">5,534</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">639</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">5,537</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">280</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;"><u>Total</u><br /></td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Commercial and industrial</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">1,364</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">1,908</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">1,933</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">87</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Commercial real estate</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">8,164</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">8,805</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">618</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">8,455</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">282</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Construction</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">5,865</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">8,642</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">6,855</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">112</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Residential mortgage</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">2,816</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">3,119</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">21</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">3,067</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">103</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Total (including related allowance)</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">18,209</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">22,474</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">639</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">20,310</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">584</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The Corporation defines an impaired loan as a loan for which it is probable, based on information available at the determination date, that the Corporation will not collect all amounts due under the contractual terms of the loan. At December 31, 2011, impaired loans were primarily collateral dependent, and totaled $13.9 million. Specific reserves of $1.1 million were assigned to impaired loans of $11.8 million. Other impaired loans in the amount of $2.1 million had no specific reserve. At December 31, 2009 average impaired loans were $6.9 million and related interest income recognized was $267,000. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Loans are considered to have been modified in a troubled debt restructuring when due to a borrower's financial difficulties, the Corporation makes certain concessions to the borrower that it would not otherwise consider. Modifications may include interest rate reductions, principal or interest forgiveness, forbearance, and other actions intended to minimize economic loss and to avoid foreclosure or repossession of collateral. Generally, a non-accrual loan that has been modified in a troubled debt restructuring remains on non-accrual status for a period of six months to demonstrate that the borrower is able to meet the terms of the modified loan. However, performance prior to the modification, or significant events that coincide with the modification, are included in assessing whether the borrower can meet the new terms and may result in the loan being returned to accrual status at the time of loan modification or after a shorter performance period. If the borrower's ability to meet the revised payment schedule is uncertain, the loan remains on non-accrual status. Included in impaired loans at December 31, 2011 are loans that are deemed troubled debt restructurings. Of these loans, $7.5 million, 81% of which are included in the tables above, are performing under the restructured terms and are accruing interest. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The following table provides an analysis of the aging of loans, including deferred fees and costs, that are past due at December 31, 2011 and 2010: </p>

<h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;">Aging Analysis </h2>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="608">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="27">December 31, 2011</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="27">(Dollars in Thousands)</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">30&nbsp;&#8211;&nbsp;59 Days<br />Past Due</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">60&nbsp;&#8211;&nbsp;89 Days<br />Past Due</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Greater<br />Than<br />90 Days</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Total<br />Past Due</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Current</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Total<br />Loans<br />Receivable</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Loans<br />Receivable<br />&gt; 90 Days<br />And<br />Accruing</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Commercial and Industrial</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">137</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">1,544</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">125</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">1,806</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">144,856</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">146,662</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Commercial Real Estate</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1,331</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">5,335</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1,254</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">7,920</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">400,090</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">408,010</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1,029</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Construction</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">3,044</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">3,044</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">36,338</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">39,382</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Residential Mortgage</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">2,174</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">99</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">3,477</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">5,750</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">155,249</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">160,999</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Installment</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">16</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">16</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">941</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">957</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 3px double; padding-left: 20pt; vertical-align: text-bottom;">Total</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">3,658</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">6,978</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">7,900</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">18,536</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">737,474</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">756,010</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">1,029</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div>

<h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;">Aging Analysis </h2>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="608">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="27">December 31, 2010</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="27">(Dollars in Thousands)</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">30&nbsp;&#8211;&nbsp;59 Days<br />Past Due</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">60&nbsp;&#8211;&nbsp;89 Days<br />Past Due</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Greater<br />Than<br />90 Days</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Total<br />Past Due</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Current</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Total<br />Loans<br />Receivable</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Loans<br />Receivable<br />&gt; 90 Days<br />And<br />Accruing</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Commercial and Industrial</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">1,509</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">476</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">456</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">2,441</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">118,593</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">121,034</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Commercial Real Estate</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">4,290</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">2,229</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">3,563</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">10,082</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">361,919</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">372,001</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Construction</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">170</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">449</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">5,865</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">6,484</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">43,260</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">49,744</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Residential Mortgage</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1,814</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">309</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">2,004</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">4,127</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">161,027</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">165,154</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">714</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Installment</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">9</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">9</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">502</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">511</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 3px double; padding-left: 20pt; vertical-align: text-bottom;">Total</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">7,792</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">3,463</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">11,888</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">23,143</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">685,301</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">708,444</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">714</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The following table details the amount of loans receivable that are evaluated individually, and collectively, for impairment, and the related portion of the allowance for loan loss that is allocated to each loan portfolio segment: </p>

<h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;">Allowance for loan and lease losses </h2>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="608">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="27">December 31, 2011<br />(Dollars in Thousands)</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">C &amp; I</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Comm R/E</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Construction</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Res Mtge</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Installment</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Unallocated</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Total</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;">Allowance for loan and lease losses:<br /></td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Individually evaluated for impairment</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">567</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">200</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">318</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">1,085</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Collectively evaluated for impairment</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">1,527</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">5,405</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">507</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">945</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">51</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">82</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">8,517</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Total</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">1,527</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">5,972</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">707</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">1,263</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">51</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">82</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">9,602</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;">Loans Receivable<br /></td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Individually evaluated for impairment</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">953</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">12,769</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">3,044</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">5,050</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">21,816</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Collectively evaluated for impairment</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">145,709</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">395,241</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">36,338</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">155,949</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">957</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">734,194</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Total</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">146,662</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">408,010</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">39,382</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">160,999</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">957</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">&nbsp;&#8212;</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">756,010</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div>

<h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;">Allowance for loan and lease losses </h2>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="608">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="27">December 31, 2010</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="27">(Dollars in Thousands)</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">C &amp; I</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Comm R/E</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Construction</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Res Mtge</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Installment</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Unallocated</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Total</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;">Allowance for loan and lease losses:<br /></td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Individually evaluated for impairment</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">618</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">21</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">639</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Collectively evaluated for impairment</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">1,272</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">5,097</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">551</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">1,017</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">52</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">239</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">8,228</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Total</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">1,272</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">5,715</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">551</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">1,038</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">52</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">239</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">8,867</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;">Loans Receivable<br /></td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Individually evaluated for impairment</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">2,748</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">11,960</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">5,865</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">1,354</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">21,927</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Collectively evaluated for impairment</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">118,286</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">360,041</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">43,879</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">163,800</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">511</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">686,517</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Total</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">121,034</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">372,001</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">49,744</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">165,154</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">511</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">708,444</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The Corporation's allowance for loan losses is analyzed quarterly and many factors are considered, including growth in the portfolio, delinquencies, nonaccrual loan levels, and other factors inherent in the extension of credit. There have been no material changes to the allowance for loan loss methodology as disclosed in the Corporation's previous Annual Reports. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">A summary of the activity in the allowance for loan losses is as follows: </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="608">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="27">Year Ended December 31, 2011</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="27">(Dollars in thousands)</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">C &amp; I</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Comm R/E</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Construction</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Res Mtg</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Installment</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Unallocated</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Total</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Balance at January 1,</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">1,272</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">5,715</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">551</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">1,038</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">52</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">239</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">8,867</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Loans charged-off</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(186</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(1,168</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(631</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(23</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(20</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(2,028</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Recoveries</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">240</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">15</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">53</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">7</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">315</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Provision for loan losses</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">201</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">1,410</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">787</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">195</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">12</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">(157</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">2,448</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Balance at December 31,</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">1,527</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">5,972</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">707</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">1,263</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">51</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">82</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">9,602</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11">For the Year Ended December 31,</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2011</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2010</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2009</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11"><font style="font-weight: normal;" class="_mt">(Dollars in Thousands)</font></td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Balance at the beginning of year</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">8,867</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">8,711</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">6,254</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Provision for loan losses</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">2,448</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">5,076</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">4,597</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Loans charged-off</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(2,028</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(4,940</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(2,152</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Recoveries on loans previously charged-off</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">315</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">20</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">12</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Balance at the end of year</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">9,602</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">8,867</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">8,711</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The amount of interest income that would have been recorded on non-accrual loans in 2011, 2010 and 2009 had payments remained in accordance with the original contractual terms was $378,000, $598,000 and $431,000, respectively. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">At December 31, 2011, there were no commitments to lend additional funds to borrowers whose loans were non-accrual or contractually past due in excess of 90 days and still accruing interest. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The policy of the Corporation is to generally grant commercial, mortgage and installment loans to New Jersey residents and businesses within its market area. The borrowers' abilities to repay their obligations are dependent upon various factors including the borrowers' income and net worth, cash flows generated by the borrowers' underlying collateral, value of the underlying collateral, and priority of the lender's lien on the property. Such factors are dependent upon various economic conditions and individual circumstances beyond the control of the Corporation. The Corporation is therefore subject to risk of loss. The Corporation believes its lending policies and procedures adequately minimize the potential exposure to such risks and that adequate provisions for loan losses are provided for all known and inherent risks. Collateral and/or personal guarantees are required for a large majority of the Corporation's loans. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The following table presents information about the troubled debt restructurings (TDRs) by class transacted during the period indicated: </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11">Year Ended December 31, 2011</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Number of<br />Loans</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Pre-restructuring<br />Outstanding<br />Recorded<br />Investment</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Post-restructuring<br />Outstanding<br />Recorded<br />Investment</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11"><font style="font-weight: normal;" class="_mt">(Dollars in Thousands)</font></td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Troubled debt restructurings:<br /></td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 20pt; vertical-align: text-bottom;">Commercial Real Estate</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">1,719</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">1,318</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 1pt solid; padding-left: 20pt; vertical-align: text-bottom;">Residential Mortgage</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">5</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">1,624</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">1,575</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 3px double; padding-left: 30pt; vertical-align: text-bottom;">Total</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;6</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">3,343</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">2,893</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The Corporation charged off $450,000 in connection with loan modifications at the time of the modification during the twelve months ended December 31, 2011. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The Corporation had no loans modified as a TDR within the previous twelve months that subsequently defaulted during the twelve months ended December 31, 2011. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The Corporation adopted ASU No. 2011-02 on July 1, 2011 which provides additional guidance to creditors for evaluating whether a modification or restructuring of a receivable is a troubled debt restructuring. In general, a modification or restructuring of a loan constitutes a TDR if the Corporation grants a concession to a borrower experiencing financial difficulty. Loans modified in TDRs are placed on non-accrual status until the Corporation determines that future collection of principal and interest is reasonably assured, which generally requires that the borrower demonstrate performance according to the restructured terms for a period of at least six months. However, performance prior to the modification, or significant events that coincide with the modification, are included in assessing whether the borrower can meet the new terms and may result in the loan being returned to accrual status at the time of loan modification or after a shorter performance period. If the borrower's ability to meet the revised payment schedule is uncertain, the loan remains on non-accrual status. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Loans modified in a troubled debt restructuring totaled $11.1 million at December 31, 2011 of which $3.7 million were on non-accrual status. The remaining loans modified were current at the time of the restructuring and have complied with the terms of their restructure agreement. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">In an effort to proactively manage delinquent loans, the Corporation has selectively extended to certain borrowers concessions such as rate reductions, extension of maturity dates, principal or interest forgiveness, adjusted repayment terms, forbearance agreements, or combinations of two or more of these concessions. As of December 31, 2011, loans on which concessions were made with respect to adjusted repayment terms amounted to $1.7 million. Loans on which combinations of two or more concessions were made amounted to $9.4 million. The concessions granted included principal concessions, rate reduction, adjusted repayment, extended maturity and payment deferral. </p></div></div> </div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for claims held for amounts due a company. Examples include trade accounts receivables, notes receivables, loans receivables.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5066-111524<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 7<br><br> -Article 9<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 13<br><br> -Subparagraph d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5162-111524<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 3, 4<br><br> -Article 5<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(k))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.3,4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 4<br><br> -Section 08<br><br> -Paragraph k<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5074-111524<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>Investment Securities<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentsAbstract', window );"><strong>Investment Securities</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentHoldingsTextBlock', window );">Investment Securities</a></td>
        <td class="text"><div> <div style="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;" align="justify">

<div>

<div style="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;" align="justify">

<div style="min-width: 708px; text-align: center;">

<h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;">Note 4&nbsp;&#8212;&nbsp;Investment Securities </h2>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The following tables present information related to the Corporation's portfolio of securities available-for-sale and held-to-maturity at December 31, 2011 and available-for-sale at December 31, 2010. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="608">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Amortized<br />Cost</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Gross<br />Unrealized<br />Gains</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Gross<br />Unrealized<br />Losses</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Fair<br />Value</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="15">December 31, 2011<br /></td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="15"><font style="font-weight: normal;" class="_mt">(Dollars in Thousands)</font></td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;">Investment Securities Available-for-Sale:<br /></td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Federal agency obligations</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">24,781</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">188</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">24,969</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Residential mortgage pass-through securities</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">113,213</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">2,157</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(6</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">115,364</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Obligations of U.S. states and political subdivisions</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">66,309</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">2,900</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(36</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">69,173</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Trust preferred securities</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">20,567</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">14</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(4,394</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">16,187</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Corporate bonds and notes</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">175,812</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1,382</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(4,077</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">173,117</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Collateralized mortgage obligations</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">3,226</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(1,327</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1,899</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Asset-backed securities</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">7,614</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">52</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(13</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">7,653</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Equity securities</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">6,417</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">21</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">(293</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">6,145</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 3px double; padding-left: 20pt; vertical-align: text-bottom;">Total</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">417,939</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">6,714</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">(10,146</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">414,507</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;">Investment Securities Held-to-Maturity:<br /></td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Federal agency obligations</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">28,262</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">177</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">(34</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">28,405</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Commercial mortgage-backed securities</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">6,276</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(69</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">6,207</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Obligations of U.S. states and political subdivisions</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">37,695</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">2,615</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">40,310</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 3px double; padding-left: 20pt; vertical-align: text-bottom;">Total</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">72,233</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">2,792</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">(103</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">74,922</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Total investment securities</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">490,172</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">9,506</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">(10,249</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">489,429</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="608">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Amortized<br />Cost</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Gross<br />Unrealized<br />Gains</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Gross<br />Unrealized<br />Losses</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Fair<br />Value</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="15">December 31, 2010</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="15"><font style="font-weight: normal;" class="_mt">(Dollars in Thousands)</font></td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;">Investment Securities Available-for-Sale:<br /></td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">U.S. Treasury and agency securities</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">7,123</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">(128</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">6,995</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Federal agency obligations</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">68,051</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1,071</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(641</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">68,481</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Residential mortgage pass-through securities</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">180,037</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">115</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(2,419</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">177,733</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Obligations of U.S. states and political subdivisions</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">38,312</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(1,088</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">37,225</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Trust preferred securities</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">21,222</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">26</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(2,517</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">18,731</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Corporate bonds and notes</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">63,047</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(1,613</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">61,434</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Collateralized mortgage obligations</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">3,941</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(1,213</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">2,728</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Equity securities</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">5,135</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">(382</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">4,753</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Total investment securities</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">386,868</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">1,213</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">(10,001</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">378,080</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The Corporation's investment securities are classified as available-for-sale and held-to-maturity at December 31, 2011 and available-for-sale at December 31, 2010. The available-for-sale securities are reported at fair value with unrealized gains or losses included in equity, net of taxes. Accordingly, the carrying value of such securities reflects their fair value at the balance sheet date. Fair value is based upon either quoted market prices, or in certain cases where there is limited activity in the market for a particular instrument, assumptions are made to determine their fair value. See Note 18 of the Notes to Consolidated Financial Statements for a further discussion. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Transfers of debt securities from the available-for-sale category to the held-to-maturity category are made at fair value at the date of transfer. The unrealized holding gain or loss at the date of transfer remains in accumulated other comprehensive income and in the carrying value of the held-to-maturity investment security. Premiums or discounts on investment securities are amortized or accreted using the effective interest method over the life of the security as an adjustment of yield. Unrealized holding gains or losses that remain in accumulated other comprehensive income are amortized or accreted over the remaining life of the security as an adjustment of yield, offsetting the related amortization of the premium or accretion of the discount. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The following table presents information for investments in securities available-for-sale at December 31, 2011, based on scheduled maturities. Actual maturities can be expected to differ from scheduled maturities due to prepayment or early call options of the issuer. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="608">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7">December 31, 2011</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Amortized<br />Cost</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Fair<br />Value</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7"><font style="font-weight: normal;" class="_mt">(Dollars in Thousands)</font></td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Investment Securities Available-for-Sale:<br /></td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Due in one year or less</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">4,143</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">4,118</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Due after one year through five years</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">81,798</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">81,138</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Due after five years through ten years</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">108,395</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">107,155</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Due after ten years</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">103,973</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">100,587</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Residential mortgage pass-through securities</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">113,213</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">115,364</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Equity securities</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">6,417</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">6,145</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 3px double; padding-left: 20pt; vertical-align: text-bottom;">Total</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">417,939</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">414,507</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Investment Securities Held-to-Maturity:<br /></td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Due after five years through ten years</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">4,459</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">4,506</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Due after ten years</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">67,774</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">70,416</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 3px double; padding-left: 20pt; vertical-align: text-bottom;">Total</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">72,233</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">74,922</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Total investment securities</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">490,172</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">489,429</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">During 2011, securities sold from the Corporation's available-for-sale portfolio generated proceeds of approximately $254.8 million. The gross realized gains on securities sold amounted to approximately $4,045,000, while the gross realized losses, which included impairment charges of $342,000, amounted to approximately $411,000 in 2011. During 2010, securities sold from the Corporation's available-for-sale portfolio generated proceeds of approximately $644.1 million. The gross realized gains on securities sold amounted to approximately $4,872,000, while the gross realized losses amounted to approximately $635,000 in 2010. During 2009, securities sold from the Corporation's available-for-sale portfolio generated proceeds of approximately $665.8 million. The gross realized gains on securities sold amounted to approximately $5,897,000, while the gross realized losses amounted to approximately $1,168,000 in 2009. </p>

<h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;">Other-than-Temporarily Impaired Investments </h3>

<h1 style="text-align: center; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 0pt; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 9pt;">Summary of Other-than-Temporary Impairment Charges </h1>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="608">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11">Years Ended December 31,</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2011</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2010</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2009</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11"><font style="font-weight: normal;" class="_mt">(Dollars in Thousands)</font></td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">One variable rate private label CMO</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">18</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">360</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">188</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">One trust preferred security</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">3,000</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Two pooled trust preferred securities</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1,818</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">3,433</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Principal losses on a variable rate CMO</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">324</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">398</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">One corporate bond</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">140</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">One equity security</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">113</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Reserve primary fund</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">364</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Total other-than-temporary impairment charges</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">342</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">5,576</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">4,238</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The Corporation performs regular analysis on the available-for-sale securities portfolio to determine whether a decline in fair value indicates that an investment is other-than-temporarily impaired in accordance with FASB ASC 320-10. FASB ASC 320-10 requires companies to record other-than-temporary impairment ("OTTI") charges, through earnings, if they have the intent to sell, or more likely than not be required to sell, an impaired debt security before recovery of its amortized cost basis. If the Corporation intends to sell or it is more likely than not it will be required to sell the security before recovery of its amortized cost basis, less any current period credit loss, the OTTI is recognized in earnings equal to the entire difference between the investment's amortized cost basis and its estimated fair value at the balance sheet date. If the Corporation does not intend to sell the security and it is more likely than not that the entity will be required to sell the security before recovery of its amortized cost basis less any current period loss, and as such, it determines that a decline in fair value is other than temporary, the OTTI is separated into the amount representing the credit loss and the amount related to all other factors. The amount of the OTTI related to the credit loss is determined based on the present value of cash flows expected to be collected and is recognized in earnings. The amount of the total OTTI related to other factors is recognized in other comprehensive income, net of applicable taxes. The previous amortized cost basis less the OTTI recognized in earnings becomes the new amortized cost basis of the investment. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The Corporation reviews all securities for potential recognition of other-than-temporary impairment. The Corporation maintains a watch list for the identification and monitoring of securities experiencing problems that require a heightened level of review. This could include credit rating downgrades. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The Corporation's assessment of whether an investment in the portfolio of assets is other than temporary includes factors such as whether the issuer has defaulted on scheduled payments, announced restructuring and/or filed for bankruptcy, has disclosed severe liquidity problems that cannot be resolved, disclosed deteriorating financial condition or sustained significant losses. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The following table presents detailed information for each trust preferred security held by the Corporation at December 31, 2011, of which all but one has at least one rating below investment grade. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="708">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="border-bottom: black 1pt solid; text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">Deal Name</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Single<br />Issuer or<br />Pooled</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Class/<br />Tranche</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Amortized<br />Cost</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Fair<br />Value</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Gross<br />Unrealized<br />Gain (Loss)</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Lowest<br />Credit<br />Rating<br />Assigned</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Number of<br />Banks<br />Currently<br />Performing</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Deferrals<br />and Defaults<br />as % of<br />Original<br />Collateral</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Expected<br />Deferral/Defaults<br />as % of<br />Remaining<br />Performing<br />Collateral</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="35"><font style="font-weight: normal;" class="_mt">(Dollars in Thousands)</font></td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Countrywide Capital IV</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">Single</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">1,770</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">1,403</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">(367</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">BB+</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">None</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">None</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Countrywide Capital V</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">Single</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">2,747</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">2,230</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(517</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">BB+</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">None</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">None</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Countrywide Capital V</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">Single</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">250</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">203</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(47</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">BB+</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">None</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">None</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">NPB Capital Trust II</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">Single</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">868</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">882</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">14</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">NR</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">None</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">None</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Citigroup Cap IX</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">Single</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">991</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">857</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(134</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">BB</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">None</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">None</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Citigroup Cap IX</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">Single</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1,903</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1,652</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(251</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">BB</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">None</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">None</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Citigroup Cap XI</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">Single</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">246</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">214</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(32</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">BB</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">None</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">None</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">BAC Capital Trust X</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">Single</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">2,500</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1,862</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(638</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">BB+</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">None</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">None</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Nationsbank Cap Trust III</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">Single</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1,571</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1,094</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(477</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">BB+</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">None</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">None</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Morgan Stanley Cap<br />Trust IV</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">Single</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">2,500</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">2,074</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(426</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">BB+</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">None</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">None</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Morgan Stanley Cap<br />Trust IV</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">Single</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1,741</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1,451</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(290</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">BB+</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">None</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">None</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Saturns&nbsp;&#8212;&nbsp;GS 2004-06</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">Single</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">242</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">214</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(28</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">BB+</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">None</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">None</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Saturns&nbsp;&#8212;&nbsp;GS 2004-06</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">Single</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">312</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">275</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(37</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">BB+</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">None</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">None</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Saturns&nbsp;&#8212;&nbsp;GS 2004-04</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">Single</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">780</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">686</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(94</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">BB+</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">None</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">None</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Saturns&nbsp;&#8212;&nbsp;GS 2004-04</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">Single</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">22</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">19</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(3</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">BB+</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">None</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">None</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Goldman Sachs</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">Single</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1,000</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">855</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(145</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">BB+</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">None</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">None</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">ALESCO Preferred<br />Funding VI</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">Pooled</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">C2</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">290</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">143</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(147</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">Ca</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; vertical-align: text-bottom;">37 of 56</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">32.9</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">40.9</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">ALESCO Preferred<br />Funding VII</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: right; vertical-align: text-bottom;">Pooled</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: right; vertical-align: text-bottom;">C1</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">834</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">73</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">(761</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: right; vertical-align: text-bottom;">Ca</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; vertical-align: text-bottom;">49 of 62</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: right; vertical-align: text-bottom;">34.3</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: right; vertical-align: text-bottom;">40.4</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 3px double; padding-left: 20pt; vertical-align: text-bottom;">Total</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: right; vertical-align: text-bottom;"> </td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: right; vertical-align: text-bottom;"> </td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">20,567</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">16,187</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">(4,380</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: right; vertical-align: text-bottom;"> </td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: right; vertical-align: text-bottom;"> </td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: right; vertical-align: text-bottom;"> </td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: right; vertical-align: text-bottom;"> </td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The Corporation owns two pooled trust preferred securities ("Pooled TRUPS"), which consist of securities issued by financial institutions and insurances companies and the Corporation holds the mezzanine tranche of such securities. Senior tranches generally are protected from defaults by over-collateralization and cash flow default protection provided by subordinated tranches, with senior tranches having the greatest protection and mezzanine tranches subordinated to the senior tranches. Our analysis of these Pooled TRUPS falls within the scope of EITF 99-20, ASC 320-40 and uses a discounted cash flow model to determine the total OTTI loss. The model considers the structure and term and the financial condition of the underlying issuers. Specifically, the model details interest rates, principal balances of note classes and underlying issuers and the allocation of the payments to the note classes according to a priority of payments specified in the offering circular and indenture. The current estimate of expected cash flows is based on the most recent trustee reports and other relevant market information including announcements of interest payment deferrals or defaults of underlying trust preferred securities. Assumptions used in the model include default rates, default rate timing profile and recovery rates. We assume no prepayments as these Pooled TRUPS were issued at comparatively tight spreads and as such, there is little incentive, if any, to prepay. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">One of the Pooled TRUPS, ALESCO VI, has incurred its eleventh interruption of cash flow payments to date. Management reviewed the expected cash flow analysis and credit support to determine if it was probable that all principal and interest would be repaid, and no other-than-temporary impairment charge was recorded for the twelve months ended December 31, 2011. The other Pooled TRUP, ALESCO VII, incurred its ninth interruption of cash flow payments to date. Management determined that no other-than-temporary impairment charge existed on this security for the twelve months ended December 31, 2011. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">At December 31, 2011, excess subordination as a percentage of remaining performing collateral for the ALESCO Preferred Funding VI and VII investments were -40.4 percent and -45.0 percent, respectively. Excess subordination is the amount of performing collateral above the amount of outstanding collateral underlying each class of the security. The excess subordination as a percent of remaining performing collateral reflects the difference between the performing collateral and the collateral underlying each security divided by the performing collateral. A negative number results when the paying collateral is less than the collateral underlying each class of the security. A low or negative number decreases the likelihood of full repayment of principal and interest according to original contractual terms. </p>

<h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 24px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;">Credit Loss Portion of OTTI Recognized in Earning on Debt Securities </h3>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="608">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11">Years Ended December 31,</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2011</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2010</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2009</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11"><font style="font-weight: normal;" class="_mt">(Dollars in Thousands)</font></td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Balance of credit-related OTTI at January 1,</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">6,197</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">3,621</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Addition:<br /></td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 20pt; vertical-align: text-bottom;">Credit losses for which other-than-temporary impairment was not previously recognized</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">342</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">5,576</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">3,761</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Reduction:<br /></td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 1pt solid; padding-left: 20pt; vertical-align: text-bottom;">Credit losses for securities sold during the period</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">(3,000</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">(140</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Balance of credit-related OTTI at December 31,</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">6,539</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">6,197</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">3,621</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The Corporation owns three variable rate private label collateralized mortgage obligations (CMOs), which were also evaluated for impairment. The Variable Rate Collateralized Mortgage Obligations were originally issued in 2006 and are 30 year Adjustable Rate Mortgage loans secured by a first lien, fully amortizing one-to-four residential mortgage loans. The tranche purchased was a Super Senior with an original credit rating of AAA/AAA. The top five states geographic concentration comprised in the deal were California 18.2 percent, Arizona 10.5 percent, Virginia 6.1 percent, Florida 6.5 percent and Nevada 6.3 percent. No one state exceeded a 25 percent concentration. These states have been heavily impacted by the financial crises and as such have sustained heavy delinquencies affecting the credit rating of the security. Management had applied aggressive default rates to identify if any credit impairment exists, as these bonds were downgraded to below investment grade. The Corporation recorded $324,000 in principal losses on these bonds in 2011, and expects additional losses in future periods. As such, management determined that an other-than-temporary impairment charge exists and recorded a $18,000 write down to the bonds, which represents 0.5 percent of the par amount of $3.8 million. The new cost basis for these securities has been written down to $3.2 million. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The Corporation's investment portfolio also consists of overnight investments that were made into the Reserve Primary Fund (the "Fund"), a money market fund registered with the Securities and Exchange Commission as an investment company under the Investment Company Act of 1940. On September 22, 2008, the Fund announced that redemptions of shares of the Fund were suspended pursuant to an SEC order so that an orderly liquidation could be effected for the protection of the Fund's investors. Through December 31, 2009, the Corporation has received five distributions from the Fund, totaling approximately 92 percent of its outstanding balance, leaving a remaining outstanding balance in the Fund of $2.943 million. On January 29, 2010, as part of the court order liquidation of the Fund, the Corporation received a sixth distribution or $2.446 million, bringing total distributions to date to approximately 99 percent. During the fourth quarter of 2009, the Corporation recorded a $364,000, or approximately 1 percent, other-than-temporary impairment charge to earnings relating to this court order liquidation of the Fund. The Corporation's outstanding carrying balance in the Fund as of January 31, 2010 totaled $133,000. In 2010, the Corporation recorded approximately $30,000 to earnings as partial recovery of the OTTI charge. The Corporation's outstanding carrying balance in the Fund as of December 31, 2011 was zero. Future liquidation distributions received by the Corporation, if any, will be recorded to earnings. </p>

<h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;">Temporarily Impaired Investments </h3>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">For all other securities, the Corporation does not believe that the unrealized losses, which were comprised of 78 investment securities as of December 31, 2011, represent an other-than-temporary impairment. The gross unrealized losses associated with mortgage-backed securities, corporate bonds, asset-backed securities and tax-exempt securities are not considered to be other than temporary because their unrealized losses are related to changes in interest rates and do not affect the expected cash flows of the underlying collateral or issuer. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Factors affecting the market price include credit risk, market risk, interest rates, economic cycles, and liquidity risk. The magnitude of any unrealized loss may be affected by the relative concentration of the Corporation's investment in any one issuer or industry. The Corporation has established policies to reduce exposure through diversification of concentration of the investment portfolio including limits on concentrations to any one issuer. The Corporation believes the investment portfolio is prudently diversified. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The decline in value is related to a change in interest rates and subsequent change in credit spreads required for these issues affecting market price. All issues are performing and are expected to continue to perform in accordance with their respective contractual terms and conditions. Short to intermediate average durations and in certain cases monthly principal payments should reduce further market value exposure to increases in rates. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The Corporation evaluates all securities with unrealized losses quarterly to determine whether the loss is other than temporary. Unrealized losses in the mortgage-backed securities category consist primarily of U.S. agency and private issue collateralized mortgage obligations. Unrealized losses in the corporate debt securities category consist of single name corporate trust preferred securities, pooled trust preferred securities and corporate debt securities issued by large financial institutions. The decline in fair value is due in large part to the lack of an active trading market for these securities, changes in market credit spreads and rating agency downgrades. For collateralized mortgage obligations, management reviewed expected cash flows and credit support to determine if it was probable that all principal and interest would be repaid. None of the corporate issuers have defaulted on interest payments. Management concluded that these securities were not other-than-temporarily impaired at December 31, 2011. Future deterioration in the cash flow on collateralized mortgage obligations or the credit quality of these large financial institution issuers of corporate debt securities could result in impairment charges in the future. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">In determining that the securities giving rise to the previously mentioned unrealized losses were not other than temporary, the Corporation evaluated the factors cited above, which the Corporation considers when assessing whether a security is other-than-temporarily impaired. In making these evaluations the Corporation must exercise considerable judgment. Accordingly there can be no assurance that the actual results will not differ from the Corporation's judgments and that such differences may not require the future recognition of other-than-temporary impairment charges that could have a material affect on the Corporation's financial position and results of operations. In addition, the value of, and the realization of any loss on, an investment security is subject to numerous risks as cited above. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The following tables indicate gross unrealized losses not recognized in income and fair value, aggregated by investment category and the length of time individual securities have been in a continuous unrealized loss position at December 31, 2011 and December 31, 2010: </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="608">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="23">December 31, 2011</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7">Total</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7">Less than 12 Months</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7">12 Months or Longer</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Fair<br />Value</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Unrealized<br />Losses</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Fair<br />Value</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Unrealized<br />Losses</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Fair<br />Value</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Unrealized<br />Losses</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="23"><font style="font-weight: normal;" class="_mt">(Dollars in Thousands)</font></td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;">Investment Securities Available-for-Sale:<br /></td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Residential mortgage<br />pass-through securities</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">2,013</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">(6</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">2,013</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">(6</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Obligations of U.S. states and political subdivisions</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">4,352</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(36</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">4,352</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(36</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Trust preferred securities</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">15,272</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(4,394</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">4,325</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(996</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">10,947</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(3,398</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Corporate bonds and notes</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">97,043</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(4,077</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">89,534</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(3,663</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">7,509</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(414</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Collateralized mortgage obligations</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1,899</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(1,327</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1,899</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(1,327</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Asset-backed securities</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">3,884</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(13</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">3,884</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(13</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Equity securities</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">1,242</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">(293</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">1,242</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">(293</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 20pt; vertical-align: text-bottom;">Total</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">125,705</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(10,146</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">104,108</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(4,714</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">21,597</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(5,432</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;">Investment Securities<br />Held-to-Maturity:<br /></td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Federal agency obligations</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">11,980</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(34</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">11,980</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(34</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Collateralized mortgage obligations</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">6,207</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">(69</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">6,207</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">(69</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 20pt; vertical-align: text-bottom;">Total</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">18,187</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(103</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">18,187</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(103</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Total Temporarily Impaired Securities</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">143,892</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">(10,249</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">122,295</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">(4,817</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">21,597</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">(5,432</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td></tr></table></div>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="608">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="23">December 31, 2010</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7">Total</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7">Less than 12 Months</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7">12 Months or Longer</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Fair<br />Value</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Unrealized<br />Losses</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Fair<br />Value</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Unrealized<br />Losses</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Fair<br />Value</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Unrealized<br />Losses</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="23"><font style="font-weight: normal;" class="_mt">(Dollars in Thousands)</font></td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;">Investment Securities Available-for-Sale:<br /></td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">U.S. Treasury and agency securities</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">6,995</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">(128</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">6,995</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">(128</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Federal agency obligations</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">35,799</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(641</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">32,113</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(622</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">3,686</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(19</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Residential mortgage pass-through securities</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">166,820</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(2,419</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">166,820</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(2,419</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Obligations of U.S. states and political subdivisions</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">19,699</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(1,088</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">19,699</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(1,088</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Trust preferred securities</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">16,058</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(2,517</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">16,058</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(2,517</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Corporate bonds and notes</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">61,434</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(1,613</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">52,985</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(1,175</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">8,449</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(438</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Collateralized mortgage obligations</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">2,728</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(1,213</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">2,728</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(1,213</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Equity securities</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">4,653</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">(382</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">3,427</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">(73</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">1,226</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">(309</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Total Temporarily Impaired Securities</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">314,186</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">(10,001</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">282,039</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">(5,505</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">32,147</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">(4,496</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td></tr></table></div>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Investment securities having a carrying value of approximately $98.7 million and $125.6 million at December 31, 2011 and 2010, respectively, were pledged to secure public deposits, short-term borrowings, and FHLB advances and for other purposes required or permitted by law. </p></div></div></div></div> </div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for investment holdings. This includes the long positions of investments for the entity. It contains investments in affiliated and unaffiliated issuers. The investments include securities and non securities (i.e. commodities and futures contracts).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 946<br><br> -SubTopic 320<br><br> -Section S99<br><br> -Paragraph 6<br><br> -Subparagraph (SX 210.12-14)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6955306&amp;loc=d3e611322-123010<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 12C<br><br> -Article 12<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 946<br><br> -SubTopic 320<br><br> -Section S99<br><br> -Paragraph 4<br><br> -Subparagraph (SX 210.12-12C)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6955306&amp;loc=d3e611225-123010<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 12<br><br> -Article 12<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 946<br><br> -SubTopic 320<br><br> -Section S99<br><br> -Paragraph 5<br><br> -Subparagraph (SX 210.12-13)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6955306&amp;loc=d3e611282-123010<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 946<br><br> -SubTopic 320<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.12-12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6955306&amp;loc=d3e611133-123010<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 13<br><br> -Article 12<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Stock Based Compensation<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationAbstract', window );"><strong>Stock Based Compensation</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock', window );">Stock Based Compensation</a></td>
        <td class="text"><div> <div style="min-width: 708px; text-align: center;">

<h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;">Note 16&nbsp;&#8212;&nbsp;Stock Based Compensation </h2>

<h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;">Stock Option Plans </h3>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">At December 31, 2011, the Corporation maintained two stock-based compensation plans from which new grants could be issued. The 2009 Equity Incentive Plan permits the grant of "incentive stock options" as defined under the Internal Revenue Code, non-qualified stock options, restricted stock awards and restricted stock unit awards to employees, including officers, and consultants of the Corporation and its subsidiaries. The 2003 Non-Employee Director Stock Option Plan permits the grant of non-qualified stock options to the Corporation's non-employee directors. An aggregate of 394,417 shares remain available for grant under the 2009 Equity Incentive Plan and an aggregate of 431,003 shares remain available for grant under the 2003 Non-Employee Director Stock Option Plan. Such shares may be treasury shares, newly issued shares or a combination thereof. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Options have been granted to purchase common stock principally at the fair market value of the stock at the date of grant. Options vest over a three year vesting period starting one year after the date of grant and generally expire ten years from the date of grant. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The total compensation expense related to these plans was $35,000, $51,000 and $77,000 for the years ended December 31, 2011, 2010 and 2009, respectively. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">As a result of the compensation expense related to stock options: (i) for the year ended December 31, 2011, the Corporation's income before income taxes and net income was reduced by $35,000 and $21,000, respectively; (ii) for the year ended December 31, 2010, the Corporation's income before income taxes and net income was reduced by $51,000 and $31,000, respectively; and (iii) for the year ended December 31, 2009, the Corporation's income before income taxes and net income was reduced by $77,000 and $51,000, respectively. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Under the principal option plans, the Corporation may grant restricted stock awards to certain employees. Restricted stock awards are non-vested stock awards. Restricted stock awards are independent of option grants and are generally subject to forfeiture if employment terminates prior to the release of the restrictions. Such awards generally vest during a period specified at the date of grant. During that period, ownership of the shares cannot be transferred. Restricted stock has the same cash dividend and voting rights as other common stock and is considered to be currently issued and outstanding. The Corporation expenses the cost of the restricted stock awards, which is determined to be the fair market value of the shares at the date of grant, ratably over the period during which the restrictions lapse. During 2011, 2,780 shares were awarded while in 2010, 2,803 shares were awarded. During 2009, no shares were awarded. All shares were issued from Treasury shares. The amount of compensation cost related to restricted stock awards included in salary expense was $25,000, $25,000 and zero in 2011, 2010 and 2009, respectively. As of December 31, 2011, all shares relating to restricted stock awards were vested. Thus, there were no restricted stock awards outstanding at December 31, 2011. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Options covering 27,784, 38,203 and 38,203 shares were granted on March 1, 2011, March 1, 2010 and March 1, 2009, respectively. The fair value of share-based payment awards was estimated using the Black-Scholes option pricing model with the following assumptions and weighted average fair values: </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2011</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2010</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2009</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Weighted average fair value of grants</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">1.89</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">2.16</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">1.48</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Risk-free interest rate</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">2.19</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">2.29</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1.90</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Dividend yield</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1.32</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1.41</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">4.69</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Expected volatility</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">22.25</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">28.60</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">33.00</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Expected life in months</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">65</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">62</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">69</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Option activity under the principal option plans as of December 31, 2011 and changes during the twelve months ended December 31, 2011 were as follows: </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Shares</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Weighted-<br />Average<br />Exercise Price</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Weighted-<br />Average<br />Remaining Contractual Term<br />(In Years)</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Aggregate<br />Intrinsic Value</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Outstanding at December 31, 2010</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">198,946</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">9.75</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Granted</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">27,784</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">9.11</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Exercised</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(42,495</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">7.23</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Forfeited/cancelled/expired</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">(12,857</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">11.75</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Outstanding at December 31, 2011</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">171,378</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">10.01</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">5.93</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">111,309</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Exercisable at December 31, 2011</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">105,388</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">10.75</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;4.48</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">41,611</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The aggregate intrinsic value of options above represents the total pre-tax intrinsic value (the difference between the Corporation's closing stock price on the last trading day of the twelve-months of fiscal 2011 and the exercise price, multiplied by the number of in-the-money options) that would have been received by the option holders had all option holders exercised their options on December 31, 2011. This amount changes based on the fair market value of the Parent Corporation's stock. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">As of December 31, 2011, $59,000 of total unrecognized compensation cost related to stock options is expected to be recognized over a weighted-average period of 1.39 years. Changes in options outstanding during the past three years were as follows: </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="border-bottom: black 1pt solid; text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">Stock Option Plan</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Shares</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Exercise Price<br />Range per Share</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Outstanding, December 31, 2008 (125,468 shares exercisable)</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">185,164</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; vertical-align: text-bottom;">&nbsp;$6.07 to $15.73</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Granted during 2009</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">38,203</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: center; vertical-align: text-bottom;">7.67</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Exercised during 2009</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(9,289</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: center; vertical-align: text-bottom;">6.07</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Expired or canceled during 2009</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">(22,076</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; vertical-align: text-bottom;">&nbsp;$6.07 to $15.73</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Outstanding, December 31, 2009 (124,271 shares exercisable)</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">192,002</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; vertical-align: text-bottom;">&nbsp;$7.67 to $15.73</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Granted during 2010</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">38,203</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: center; vertical-align: text-bottom;">8.53</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Exercised during 2010</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">0</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: center; vertical-align: text-bottom;">0.00</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Expired or canceled during 2010</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">(31,259</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; vertical-align: text-bottom;">&nbsp;$7.67 to $15.73</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Outstanding, December 31, 2010 (138,898) shares exercisable)</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">198,946</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; vertical-align: text-bottom;">&nbsp;$7.67 to $15.73</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Granted during 2011</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">27,784</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: center; vertical-align: text-bottom;">9.11</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Exercised during 2011</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(42,495</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: center; vertical-align: text-bottom;">7.71</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Expired or canceled during 2011</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">(12,857</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 1pt solid; text-align: center; vertical-align: text-bottom;">10.50 to $15.73</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Outstanding, December 31, 2011 (105,388) shares exercisable)</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">171,378</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: center; vertical-align: text-bottom;">&nbsp;$7.67 to $15.73</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Under the Director Stock Option Plan, there were stock options granted with a weighted average fair value of 27,784 and $1.89, 38,203 and $2.16 and 38,203 and $1.48 during the years ended December 31, 2011, 2010 and 2009, respectively. There were 2,780, 2,803 and zero share stock options granted under the Employee Stock Incentive Plan during the years ended December 31, 2011, 2010 and 2009, respectively. </p></div> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock">
        <tr>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Commitements, Contingencies and Concentrations of Credit Risk<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommitmentsAndContingenciesDisclosureAbstract', window );"><strong>Commitments, Contingencies and Concentrations of Credit Risk</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock', window );">Commitments, Contingencies and Concentrations of Credit Risk</a></td>
        <td class="text"><div> <div style="min-width: 708px; text-align: center;">

<h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;">Note 12&nbsp;&#8212;&nbsp;Commitments, Contingencies and Concentrations of Credit Risk </h2>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">In the normal course of business, the Corporation has outstanding commitments and contingent liabilities, such as standby and commercial letters of credit, unused portions of lines of credit and commitments to extend various types of credit. Commitments to extend credit and standby letters of credit generally do not exceed one year. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">These financial instruments involve, to varying degrees, elements of credit risk in excess of the amounts recognized in the consolidated financial statements. The commitment or contract amount of these financial instruments is an indicator of the Corporation's level of involvement in each type of instrument as well as the exposure to credit loss in the event of non-performance by the other party to the financial instrument. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The Corporation controls the credit risk of these financial instruments through credit approvals, limits and monitoring procedures. To minimize potential credit risk, the Corporation generally requires collateral and other credit-related terms and conditions from the customer. In the opinion of management, the financial condition of the Corporation will not be materially affected by the final outcome of these commitments and contingent liabilities. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">A substantial portion of the Bank's loans are secured by real estate located in New Jersey. Accordingly, the collectability of a substantial portion of the loan portfolio of the Bank is susceptible to changes in the real estate market. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The following table provides a summary of financial instruments with off-balance sheet risk at December 31, 2011 and 2010: </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2011</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2010</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7"><font style="font-weight: normal;" class="_mt">(Dollars in Thousands)</font></td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Commitments under commercial loans and lines of credit</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">90,866</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">77,786</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Home equity and other revolving lines of credit</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">49,203</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">50,131</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Outstanding commercial mortgage loan commitments</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">32,938</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">32,554</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Standby letters of credit</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1,800</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">2,225</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Performance letters of credit</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">20,482</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">12,019</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Outstanding residential mortgage loan commitments</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">250</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Overdraft protection lines</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">5,850</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">4,898</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Other consumer</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Total</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">201,139</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">179,863</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Other expenses include rentals for premises and equipment of $710,000 in 2011, $692,000 in 2010 and $704,000 in 2009. At December 31, 2011, the Corporation was obligated under a number of non-cancelable leases for premises and equipment, many of which provide for increased rentals based upon increases in real estate taxes and the cost of living index. These leases, most of which have renewal provisions, are principally operating leases. Minimum rentals under the terms of these leases for the years 2012 through 2016 are $625,000, $500,000, $533,000, $538,000 and $408,000, respectively. Minimum rentals due 2017 and after are $3,911,000. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The Corporation is subject to claims and lawsuits that arise in the ordinary course of business. Based upon the information currently available in connection with such claims, it is the opinion of management that the disposition or ultimate determination of such claims will not have a material adverse impact on the consolidated financial position, results of operations, or liquidity of the Corporation. </p></div> </div><span></span></td>
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                <p>The entire disclosure for commitments and contingencies.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 450<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6952336&amp;loc=d3e14435-108349<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 460<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6398077&amp;loc=d3e12565-110249<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Interpretation (FIN)<br><br> -Number 14<br><br> -Paragraph 3<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 440<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6394976&amp;loc=d3e25287-109308<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 5<br><br> -Paragraph 9, 10, 11, 12<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.25)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6449706&amp;loc=d3e16207-108621<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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<DOCUMENT>
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<TEXT>
<html>
  <head>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Deposits<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsAbstract', window );"><strong>Deposits [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositLiabilitiesDisclosuresTextBlock', window );">Deposits</a></td>
        <td class="text"><div> &nbsp;

<div style="min-width: 708px; text-align: center;">

<h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;">Note 8&nbsp;&#8212;&nbsp;Deposits </h2>

<h4 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: italic 10pt/12pt serif; padding-top: 3pt;">Time Deposits</h4>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">As of December 31, 2011 and 2010, the Corporation's total time deposits were $194.6 million and $181.6 million, respectively. As of December 31, 2011, the contractual maturities of these time deposits were as follows: </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="border-bottom: black 1pt solid; text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">(dollars in thousands)</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Amount</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">2012</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">155,247</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">2013</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">21,989</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">2014</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">7,240</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">2015</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">2,099</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">2016</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">8,008</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Thereafter</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;">Total</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">194,583</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The amount of time deposits with balances of $100,000 or more was $137.9 million and $119.7 million as of December 31, 2011 and 2010, respectively. As of December 31, 2011, the contractual maturities of these time deposits were as follows: </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="border-bottom: black 1pt solid; text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">(dollars in thousands)</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Amount</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Three Months or Less</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">55,959</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Over Three Months through Six Months</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">36,460</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Over Six Months through Twelve Months</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">16,702</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Over Twelve Months</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">28,877</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;">Total</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">137,998</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div></div> </div><span></span></td>
      </tr>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for deposit liabilities including data and tables. It may include a description of the entity's deposit liabilities, the aggregate amount of time deposits (including certificates of deposit) in denominations of $100,000 or more at the balance sheet date; the aggregate amount of any demand deposits that have been reclassified as loan balances, such as overdrafts, at the balance sheet date; deposits that are received on terms other than those in the normal course of business, the amount of accrued interest on deposit liabilities; securities, mortgage loans or other financial instruments that serve as collateral for deposits; for time deposits having a remaining term of more than one year, the aggregate amount of maturities for each of the five years following the balance sheet date; and the weighted average interest rate for all deposit liabilities held by the entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 14<br><br> -Subparagraph e<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 405<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479006&amp;loc=d3e64164-112818<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Premises and Equipment<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
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      <tr>
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          <div>Dec. 31, 2011</div>
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<h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;">Note 6&nbsp;&#8212;&nbsp;Premises and Equipment </h2>

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<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

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<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Estimated<br />Useful Life<br />(Years)</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2011</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2010</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11"><font style="font-weight: normal;" class="_mt">(Dollars in Thousands)</font></td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Land</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">2,403</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">2,403</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Buildings</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">5&nbsp;&#8211;&nbsp;40</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">12,711</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">12,656</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Furniture, fixtures and equipment</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">2&nbsp;&#8211;&nbsp;20</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">16,191</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">15,929</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Leasehold improvements</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: right; vertical-align: text-bottom;">5&nbsp;&#8211;&nbsp;30</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">1,839</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">1,839</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Subtotal</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">33,144</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">32,827</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Less: accumulated depreciation and amortization</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: right; vertical-align: text-bottom;"> </td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">20,817</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">19,890</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Total premises and equipment, net</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: right; vertical-align: text-bottom;"> </td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">12,327</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">12,937</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Depreciation and amortization expense of premises and equipment for the three years ended December 31, amounted to $926,000 in 2011, $1,096,000 in 2010 and $1,369,000 in 2009, respectively.</p></div> </div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for long-lived, physical assets that are used in the normal conduct of business to produce goods and services and not intended for resale. Examples include land, buildings, machinery and equipment, and other types of furniture and equipment including, but not limited to, office equipment, furniture and fixtures, and computer equipment and software. This disclosure may include property plant and equipment accounting policies and methodology, a schedule of property, plant and equipment gross, additions, deletions, transfers and other changes, depreciation, depletion and amortization expense, net, accumulated depreciation, depletion and amortization expense and useful lives, income statement disclosures, assets held for sale and public utility disclosures.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 205<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6360339&amp;loc=d3e1361-107760<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.13-14)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 12<br><br> -Paragraph 5<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 360<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 360<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6391110&amp;loc=d3e2921-110230<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Goodwill and Other Intangible Assets<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2011</div>
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        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
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        <td class="text"><div> <div style="min-width: 708px; text-align: center;">

<h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;">Note 7&nbsp;&#8212;&nbsp;Goodwill and Other Intangible Assets </h2>

<h3 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold italic 10pt/12pt serif; padding-top: 5pt;">Goodwill </h3>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Goodwill allocated to the Corporation as of December 31, 2011 and 2010 was $16,804,000. There were no changes in the carrying amount of goodwill during the fiscal years ended December 31, 2011 and 2010. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The table below provides information regarding the carrying amounts and accumulated amortization of amortized intangible assets as of the dates set forth below. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="608">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Gross<br />Carrying<br />Amount</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Accumulated<br />Amortization</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Net<br />Carrying<br />Amount</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11"><font style="font-weight: normal;" class="_mt">(Dollars in Thousands)</font></td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;">As of December 31, 2011:<br /></td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 1pt solid; padding-left: 20pt; vertical-align: text-bottom;">Core deposits</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">703</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">(605</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">98</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Total intangible assets</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">703</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">(605</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">98</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;">As of December 31, 2010:<br /></td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 1pt solid; padding-left: 20pt; vertical-align: text-bottom;">Core deposits</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">703</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">(548</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">155</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Total intangible assets</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">703</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">(548</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">155</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The current year and estimated future amortization expense for amortized intangible assets was $57,000 for 2011 and $44,000, $31,000, $18,000, $5,000 and $0, respectively, for 2012, 2013, 2014, 2015 and 2016. </p></div> </div><span></span></td>
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                <p>The entire disclosure for the aggregate amount of goodwill and a description of intangible assets, which may include (a) for amortizable intangible assets (also referred to as finite-lived intangible assets), the carrying amount, the amount of any significant residual value, and the weighted-average amortization period, (b) for intangible assets not subject to amortization (also referred to as indefinite-lived intangible assets), the carrying amount, and (c) the amount of research and development assets acquired and written off in the period, including the line item in the income statement in which the amounts written off are aggregated, if not readily apparent from the income statement. Also discloses (a) for amortizable intangibles assets in total and by major class, the gross carrying amount and accumulated amortization, the total amortization expense for the period, and the estimated aggregate amortization expense for each of the five succeeding fiscal years, (b) for intangible assets not subject to amortization the carrying amount in total and by major class, and (c) for goodwill, in total and for each reportable segment, the changes in the carrying amount of goodwill during the period (including the aggregate amount of goodwill acquired, the aggregate amount of impairment losses recognized, and the amount of goodwill included in the gain (loss) on disposal of a reporting unit). If any part of goodwill has not been allocated to a reportable segment, discloses the unallocated amount and the reasons for not allocating. For each impairment loss recognized related to an intangible asset (excluding goodwill), discloses: (a) a description of the impaired intangible asset and the facts and circumstances leading to the impairment, (b) the amount of the impairment loss and the method for determining fair value, (c) the caption in the income statement or the statement of activities in which the impairment loss is aggregated, and (d) the segment in which the impaired intangible asset is reported. For each goodwill impairment loss recognized, discloses: (a) a description of the facts and circumstances leading to the impairment, (b) the amount of the impairment loss and the method of determining the fair value of the associated reporting unit, and (c) if a recognized impairment loss is an estimate not finalized and the reasons why the estimate is not final.  May also disclose the nature and amount of any significant adjustments made to a previous estimate of an impairment loss.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6905597&amp;loc=d3e13816-109267<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6905858&amp;loc=d3e16265-109275<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 142<br><br> -Paragraph 42, 43, 44, 45, 46, 47<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6905858&amp;loc=d3e16373-109275<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6905858&amp;loc=d3e16323-109275<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6905597&amp;loc=d3e13854-109267<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Borrowed Funds:<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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      <tr>
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          <div>Dec. 31, 2011</div>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesDisclosureTextBlock', window );">Borrowed Funds:</a></td>
        <td class="text"><div> <div style="text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;" align="left">

<div style="min-width: 708px; text-align: center;">

<h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;">Note 9&nbsp;&#8212;&nbsp;Borrowed Funds: </h2>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Short-term borrowings at December 31, 2011 and 2010 consisted of the following: </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2011</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2010</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7"><font style="font-weight: normal;" class="_mt">(Dollars in Thousands)</font></td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Securities sold under agreements to repurchase</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">28,855</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Federal funds purchased and FHLB short-term advances</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">13,000</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Total short-term borrowings</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">&nbsp;&#8212;</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">41,855</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The weighted average interest rates for short-term borrowings at December 31, 2011 and 2010 were zero percent and 0.27 percent, respectively. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Long-term borrowings at December 31, 2011 and 2010 consisted of the following: </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2011</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2010</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7"><font style="font-weight: normal;" class="_mt">(Dollars in Thousands)</font></td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">FHLB long-term advances</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">120,000</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">130,000</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Securities sold under agreements to repurchase</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">41,000</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">41,000</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Total long-term borrowings</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">161,000</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">171,000</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Securities sold under agreements to repurchase had average balances of $67.4 million and $86.1 million for the years ended December 31, 2011 and 2010, respectively. The maximum amount outstanding at any month end during 2011 and 2010 was $84.8 million and $95.9 million, respectively. The average interest rate paid on securities sold under agreements to repurchase were 3.39 percent and 2.97 percent for the years ended December 31, 2011 and 2010, respectively. Overnight federal funds purchased averaged $2.9 million during 2011 as compared to $0.4 million during 2010. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The weighted average interest rates on long term borrowings at December 31, 2011 and 2010 were 3.93 percent and 4.02 percent, respectively. The maximum amount outstanding at any month-end during 2011 and 2010 was $161.0 million and $223.1 million, respectively. The average interest rates paid on Federal Home Loan Bank advances were 3.51 percent and 3.95 percent for the years ended December 31, 2011 and 2010, respectively. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">At December 31, 2011 and 2010, advances from the Federal Home Loan Bank of New York ("FHLB") amounted to $120.0 million and $130.0 million, respectively. The FHLB advances had a weighted average interest rate of 3.46 percent and 3.61 percent at December 31, 2011 and 2010, respectively. These advances are secured by pledges of FHLB stock, 1 &#8211; 4 family residential mortgages, commercial real estate mortgages and U.S. Government and Federal Agency obligations. The advances are subject to quarterly call provisions at the discretion of the FHLB and at December 31, 2011 and 2010, are contractually scheduled for repayment as follows: </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2011</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2010</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7"><font style="font-weight: normal;" class="_mt">(Dollars in Thousands)</font></td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">2011</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">10,000</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">2013</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">5,000</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">5,000</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">2016</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">20,000</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">20,000</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">2017</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">55,000</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">55,000</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">2018</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">40,000</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">40,000</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Total</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">120,000</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">130,000</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The securities sold under repurchase agreements to other counterparties included in long-term debt totaled $41.0 million at December 31, 2011 and 2010. The weighted average rates were 5.31 percent at December 31, 2011 and 2010. The schedule for contractual repayment is as follows: </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2011</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2010</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7"><font style="font-weight: normal;" class="_mt">(Dollars in Thousands)</font></td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">2011</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">2015</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">10,000</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">10,000</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">2017</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">15,000</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">15,000</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">2018</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">16,000</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">16,000</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Total</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">41,000</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">41,000</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div></div></div> </div><span></span></td>
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                <p>The entire disclosure for borrowing from the Federal Home Loan Bank, including: (i) general description; (ii) title and nature of obligation; (iii) interest rate; (iv) payment terms; (v) maturity dates by year; (vi) collateral requirements; (vii) restrictive covenants; (viii) priority; (ix) conversion or redemption features; (x) carrying value of assets pledged as collateral; (xi) combined aggregate maturities for next five years; (xii) unused or available balances.</p>
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                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 470<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 14<br><br> -Subparagraph h<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 47<br><br> -Paragraph 17<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 15<br><br> -Paragraph 37<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.13(a))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Chapter V<br><br> -Section 563c.102<br><br> -Paragraph 15, 18<br><br> -Subsection I<br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479336&amp;loc=d3e64711-112823<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Comprehensive Income<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterestAbstract', window );"><strong>Comprehensive Income</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomeNoteTextBlock', window );">Comprehensive Income</a></td>
        <td class="text"><div> <div style="min-width: 708px; text-align: center;">

<h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;">Note 14&nbsp;&#8212;&nbsp;Comprehensive Income </h2>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Total comprehensive income includes all changes in equity during a period from transactions and other events and circumstances from non-owner sources. The Corporation's other comprehensive income (loss) is comprised of unrealized holding gains and losses on securities available-for-sale, obligations for defined benefit pension plan and an adjustment to reflect the curtailment of the Corporation's defined benefit pension plan, net of taxes. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Disclosure of comprehensive income for the years ended December 31, 2011, 2010 and 2009 is presented in the Consolidated Statements of Changes in Stockholders' Equity. The table below provides a reconciliation of the components of other comprehensive income to the disclosure provided in the statement of changes in stockholders' equity. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The components of other comprehensive income (loss), net of taxes, were as follows for the following fiscal years ended December 31: </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11">Years Ended December 31,</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2011</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2010</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2009</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11"><font style="font-weight: normal;" class="_mt">(Dollars in Thousands)</font></td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Reclassification adjustments for OTTI losses included in income</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">342</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">5,576</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">4,238</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Unrealized gains (losses) on available for sale securities</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">8,990</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">3,822</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(2,827</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Reclassification adjustment for realized gains arising during this period</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">(3,976</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">(4,237</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">(4,729</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Net unrealized gains (losses) on available-for-sale securities</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">5,356</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">5,161</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(3,318</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Unrealized holding gains on securities transferred from available-for-sale to held-to-maturity securities</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">245</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Net unrealized gains (losses)</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">5,601</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">5,161</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(3,318</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Tax effect</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">(2,307</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">(2,060</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">1,354</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 1pt solid; padding-left: 20pt; vertical-align: text-bottom;">Net of tax amount</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">3,294</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">3,101</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">(1,964</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Actuarial (loss) gain</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(1,649</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">25</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Tax effect</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">584</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">(10</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 1pt solid; padding-left: 20pt; vertical-align: text-bottom;">Net of tax amount</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">(1,065</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">15</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Net actuarial gains</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">142</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Tax effect</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">(57</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 1pt solid; padding-left: 20pt; vertical-align: text-bottom;">Net of tax amount</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">85</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Other comprehensive income (loss), net of tax</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">2,229</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">3,101</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">(1,864</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td></tr></table></div>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Accumulated other comprehensive loss at December 31, 2011 and 2010 consisted of the following: </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="562">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2011</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2010</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11"><font style="font-weight: normal;" class="_mt">(Dollars in Thousands)</font></td></tr>
<tr style="background-color: white;"><td style="padding-left: 20pt; vertical-align: text-bottom;">Investment securities available for sale, net of tax</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">(2,196</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">(5,327</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 20pt; vertical-align: text-bottom;">Unamortized component of securities transferred from<br />available-for-sale to held-to-maturity, net of tax</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">163</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 1pt solid; padding-left: 20pt; vertical-align: text-bottom;">Defined benefit pension and post-retirement plans, net of tax</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">(3,413</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">(2,348</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Total</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">(5,446</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">(7,675</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td></tr></table></div></div> </div><span></span></td>
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                <p>The entire disclosure for comprehensive income.  Includes, but is not limited to,  the following:  1) the amount of income tax expense or benefit allocated to each component of other comprehensive income, including reclassification adjustments, 2) the reclassification adjustments for each classification of other comprehensive income and 3) the ending accumulated balances for each component of comprehensive income. Components of comprehensive income include: (1) foreign currency translation adjustments; (2) gains (losses) on foreign currency transactions that are designated as, and are effective as, economic hedges of a net investment in a foreign entity; (3) gains (losses) on intercompany foreign currency transactions that are of a long-term-investment nature, when the entities to the transaction are consolidated, combined, or accounted for by the equity method in the reporting enterprise's financial statements; (4) change in the market value of a futures contract that qualifies as a hedge of an asset reported at fair value; (5) unrealized holding gains (losses) on available-for-sale securities and that resulting from transfers of debt securities from the held-to-maturity category to the available-for-sale category; (6) a net loss recognized as an additional pension liability not yet recognized as net periodic pension cost; and (7)  the net gain (loss) and net prior service cost or credit for pension plans and other postretirement benefit plans.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 55<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920433&amp;loc=d3e998-108581<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e689-108580<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e637-108580<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 17<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e716-108580<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 14<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e681-108580<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Reclassification Adjustments<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6522872<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 14-26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e640-108580<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6959260&amp;loc=d3e187085-122770<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 13<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e653-108580<br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 16<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e709-108580<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
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          <div style="width: 200px;"><strong>Parent Corporation Only Financial Statements<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
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        <th class="th">
          <div>Dec. 31, 2011</div>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="text"><div> <div style="min-width: 708px; text-align: center;">

<h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;">Note 19&nbsp;&#8212;&nbsp;Parent Corporation Only Financial Statements </h2>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The Parent Corporation operates its wholly-owned subsidiary, Union Center National Bank. The earnings of this subsidiary are recognized by the Corporation using the equity method of accounting. Accordingly, earnings are recorded as increases in the Corporation's investment in the subsidiaries and dividends paid reduce the investment in the subsidiaries. The ability of the Parent Corporation to pay dividends will largely depend upon the dividends paid to it by the Bank. Dividends payable by the Bank to the Corporation are restricted under supervisory regulations (see Note 17 of the Notes to Consolidated Financial Statements). </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Condensed financial statements of the Parent Corporation only are as follows: </p>

<h1 style="text-align: center; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 0pt; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 9pt;">Condensed Statements of Condition </h1>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7">At December 31,</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2011</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2010</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7"><font style="font-weight: normal;" class="_mt">(Dollars in Thousands)</font></td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;">ASSETS<br /></td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Cash and cash equivalents</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">2,042</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">4,299</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Investment in subsidiaries</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">139,107</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">122,129</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Securities available for sale</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">419</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">432</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Other assets</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">191</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">22</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Total assets</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">141,759</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">126,882</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;">LIABILITIES AND STOCKHOLDERS' EQUITY<br /></td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Other liabilities</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">688</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">460</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Securities sold under repurchase agreement</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">310</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Subordinated debentures</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">5,155</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">5,155</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Stockholders' equity</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">135,916</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">120,957</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Total liabilities and stockholders' equity</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">141,759</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">126,882</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div>

<h1 style="text-align: center; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 0pt; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 9pt;">Condensed Statements of Income </h1>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11">For Years Ended December 31,</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2011</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2010</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2009</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11"><font style="font-weight: normal;" class="_mt">(Dollars in Thousands)</font></td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Income:<br /></td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Dividend income from subsidiaries</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">785</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">500</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">2,474</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Other income</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">7</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">8</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">3</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Net losses on available for sale securities</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(97</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(325</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Management fees</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">294</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">290</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">298</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Total Income</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1,086</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">701</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">2,450</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Expenses</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">(615</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">(635</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">(604</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Income before equity in undistributed earnings of subsidiaries</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">471</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">66</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1,846</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Equity in undistributed earnings of subsidiaries</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">13,455</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">6,938</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">1,925</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Net Income</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">13,926</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">7,004</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">3,771</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div>

<h1 style="text-align: center; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 0pt; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 9pt;">Condensed Statements of Cash Flows </h1>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="554">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11">For Years Ended December 31</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2011</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2010</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2009</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="11"><font style="font-weight: normal;" class="_mt">(Dollars in Thousands)</font></td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;">Cash flows from operating activities:<br /></td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Net income</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">13,926</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">7,004</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">3,771</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Adjustments to reconcile net income to net cash provided by operating activities:<br /></td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Net losses on available for sale securities</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">97</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">325</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Equity in undistributed earnings of subsidiary</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(13,455</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(6,938</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(1,925</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Change in deferred tax asset</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">3</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">224</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(111</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">(Increase) decrease in other assets</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(298</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(44</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1,838</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Increase (decrease) in other liabilities</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">220</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">70</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(844</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Stock based compensation</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">35</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">51</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">77</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 1pt solid; padding-left: 20pt; vertical-align: text-bottom; font-weight: bold;">Net cash provided by operating activities</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">431</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">464</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">3,131</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;">Cash flows from investing activities:<br /></td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Maturity of available-for-sale securities</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">130</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">659</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Investments in subsidiaries</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">(1,250</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">(8,000</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">(19,000</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 1pt solid; padding-left: 20pt; vertical-align: text-bottom; font-weight: bold;">Net cash used in investing activities</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">(1,250</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">(7,870</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">(18,341</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;">Cash flows from financing activities:<br /></td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Net decrease in borrowings</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(310</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(82</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(411</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Cash dividends on common stock</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(1,955</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(1,800</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(3,166</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Cash dividends on preferred stock</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(417</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(500</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(425</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Proceeds from issuance of Series B preferred stock</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">11,250</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Redemption of Series A preferred stock</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(10,000</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Warrant repurchased</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(245</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Issuance cost of common stock</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(5</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(6</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(11</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Issuance cost of Series B preferred stock</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(84</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Proceeds from exercise of stock options</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">328</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">57</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Proceeds from restricted stock</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">25</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Proceeds from issuance of preferred stock and warrants</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">10,000</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Proceeds from issuance of shares from stock offerings</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">12,148</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">11,000</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Issuance cost of common stock from common stock offering</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(770</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Tax (expense) from stock based compensation</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">&#8212;</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">7</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">(73</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 1pt solid; padding-left: 20pt; vertical-align: text-bottom; font-weight: bold;">Net cash (used in) provided by financing activities</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">(1,438</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">9,022</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">16,971</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Increase (decrease) in cash and cash equivalents</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(2,257</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1,616</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1,761</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Cash and cash equivalents at beginning of year</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">4,299</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">2,683</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">922</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Cash and cash equivalents at the end of year</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">2,042</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">4,299</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">2,683</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div></div> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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                    <td><nobr>us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for condensed financial information, including the financial position, cash flows, and the results of operations of the registrant (parent company) as of the same dates or for the same periods for which audited consolidated financial statements are being presented. Alternatively, the details of this disclosure can be reported by the specific parent company taxonomy elements, indicating the appropriate date and period contexts in an instance document.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 9<br><br> -Section 06<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 7<br><br> -Section 05<br><br> -Paragraph c<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph c<br><br> -Article 5<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 3<br><br> -Subparagraph (SX 210.12-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e24072-122690<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 24<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 12<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6921628&amp;loc=d3e5283-111683<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td>nonnum:textBlockItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          </td>
        </tr>
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<DOCUMENT>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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  <head>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EKGBK">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>Consolidated Statements of Changes in Stockholders' Equity (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Preferred Stock [Member]</div>
        </th>
        <th class="th">
          <div>Common Stock [Member]</div>
        </th>
        <th class="th">
          <div>Additional Paid In Capital [Member]</div>
        </th>
        <th class="th">
          <div>Retained Earnings [Member]</div>
        </th>
        <th class="th">
          <div>Treasury Stock [Member]</div>
        </th>
        <th class="th">
          <div>Accumulated Other Comprehensive Income (Loss) [Member]</div>
        </th>
        <th class="th">
          <div>Total</div>
        </th>
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      <tr class="rc">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest', window );">Balance at Dec. 31, 2008</a></td>
        <td class="nump">$ 0<span></span></td>
        <td class="nump">$ 86,908<span></span></td>
        <td class="nump">$ 5,204<span></span></td>
        <td class="nump">$ 16,309<span></span></td>
        <td class="num">$ (17,796)<span></span></td>
        <td class="num">$ (8,912)<span></span></td>
        <td class="nump">$ 81,713<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract', window );"><strong>Comprehensive income:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">3,771<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">3,771<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecrease', window );">Other comprehensive income (loss), net of taxes</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(1,864)<span></span></td>
        <td class="num">(1,864)<span></span></td>
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      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest', window );">Total comprehensive income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,907<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_cnbc_IssuanceOfPreferredStockAndWarrants', window );">Issuance of preferred stock and warrants</a></td>
        <td class="nump">9,539<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">461<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">10,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseInCarryingAmountOfRedeemablePreferredStock', window );">Accretion of discount on preferred stock</a></td>
        <td class="nump">80<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(80)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendsPreferredStockCash', window );">Dividends on preferred stock</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(487)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(487)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_cnbc_ProceedsFromRightsOffering', window );">Proceeds from rights offering</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">11,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">11,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendsCommonStockCash', window );">Cash dividends declared on common stock</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(2,434)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(2,434)<span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalStockIssuedIssuanceCosts', window );">Issuance cost of common stock</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(11)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(11)<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueOther', window );">Exercise of stock options</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(19)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">76<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">57<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensation', window );">Stock-based compensation expense</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">77<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">77<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TaxBenefitFromStockOptionsExercised', window );">Taxes related to stock-based compensation</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(73)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(73)<span></span></td>
      </tr>
      <tr class="rc">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest', window );">Balance at Dec. 31, 2009</a></td>
        <td class="nump">9,619<span></span></td>
        <td class="nump">97,908<span></span></td>
        <td class="nump">5,650<span></span></td>
        <td class="nump">17,068<span></span></td>
        <td class="num">(17,720)<span></span></td>
        <td class="num">(10,776)<span></span></td>
        <td class="nump">101,749<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract', window );"><strong>Comprehensive income:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">7,004<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">7,004<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecrease', window );">Other comprehensive income (loss), net of taxes</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">3,101<span></span></td>
        <td class="nump">3,101<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest', window );">Total comprehensive income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">10,105<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseInCarryingAmountOfRedeemablePreferredStock', window );">Accretion of discount on preferred stock</a></td>
        <td class="nump">81<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(81)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendsPreferredStockCash', window );">Dividends on preferred stock</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(500)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(500)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueNewIssues', window );">Proceeds from stock offerings</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">12,148<span></span></td>
        <td class="num">(770)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">11,378<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendsCommonStockCash', window );">Cash dividends declared on common stock</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(1,852)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(1,852)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalStockIssuedIssuanceCosts', window );">Issuance cost of common stock</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(6)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(6)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised', window );">Stock awarded</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">3<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">22<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">25<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensation', window );">Stock-based compensation expense</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">51<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">51<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation', window );">Option related tax trueup</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">7<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">7<span></span></td>
      </tr>
      <tr class="rc">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest', window );">Balance at Dec. 31, 2010</a></td>
        <td class="nump">9,700<span></span></td>
        <td class="nump">110,056<span></span></td>
        <td class="nump">4,941<span></span></td>
        <td class="nump">21,633<span></span></td>
        <td class="num">(17,698)<span></span></td>
        <td class="num">(7,675)<span></span></td>
        <td class="nump">120,957<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract', window );"><strong>Comprehensive income:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">13,926<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">13,926<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecrease', window );">Other comprehensive income (loss), net of taxes</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">2,229<span></span></td>
        <td class="nump">2,229<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest', window );">Total comprehensive income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">16,155<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseInCarryingAmountOfRedeemablePreferredStock', window );">Accretion of discount on preferred stock</a></td>
        <td class="nump">300<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(300)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendsPreferredStockCash', window );">Dividends on preferred stock</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(520)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(520)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockRedemptionDiscount', window );">Redemption of series A preferred stock</a></td>
        <td class="num">(10,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(10,000)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_cnbc_ProceedsFromIssuanceOfSeriesBPerferredStock', window );">Proceeds from issuance of series B perferred stock</a></td>
        <td class="nump">11,250<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">11,250<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_cnbc_WarrantRepurchased', window );">Warrant repurchased</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(245)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(245)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendsCommonStockCash', window );">Cash dividends declared on common stock</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(1,955)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(1,955)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalStockIssuedIssuanceCosts', window );">Issuance cost of common stock</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(5)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(5)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_cnbc_AccrualOfDividendOnSeriesBPreferredStock', window );">Issuance cost of series B preferred stock</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(84)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(84)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueOther', window );">Exercise of stock options</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(16)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">344<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">328<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensation', window );">Stock-based compensation expense</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">35<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">35<span></span></td>
      </tr>
      <tr class="rc">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest', window );">Balance at Dec. 31, 2011</a></td>
        <td class="nump">$ 11,250<span></span></td>
        <td class="nump">$ 110,056<span></span></td>
        <td class="nump">$ 4,715<span></span></td>
        <td class="nump">$ 32,695<span></span></td>
        <td class="num">$ (17,354)<span></span></td>
        <td class="num">$ (5,446)<span></span></td>
        <td class="nump">$ 135,916<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_cnbc_AccrualOfDividendOnSeriesBPreferredStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Accrual of dividend on series B preferred stock</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>cnbc_AccrualOfDividendOnSeriesBPreferredStock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>cnbc_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_cnbc_IssuanceOfPreferredStockAndWarrants">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Issuance of Preferred Stock and Warrants</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>cnbc_IssuanceOfPreferredStockAndWarrants</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>cnbc_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_cnbc_ProceedsFromIssuanceOfSeriesBPerferredStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Proceeds from issuance of series B preferred stock</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>cnbc_ProceedsFromIssuanceOfSeriesBPerferredStock</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>cnbc_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_cnbc_ProceedsFromRightsOffering">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Proceeds from rights offering</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>cnbc_ProceedsFromRightsOffering</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>cnbc_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
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          </td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_cnbc_WarrantRepurchased">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>warrant repurchased</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>cnbc_WarrantRepurchased</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>cnbc_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalStockIssuedIssuanceCosts">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Direct costs (e.g., legal and accounting fees) associated with issuing stock that is deducted from additional paid in capital. Also includes any direct costs associated with stock issues under a shelf registration.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Technical Practice Aid (TPA)<br><br> -Number 4110<br><br> -Paragraph 1, 10<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6959260&amp;loc=d3e187085-122770<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AdjustmentsToAdditionalPaidInCapitalStockIssuedIssuanceCosts</nobr></td>
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                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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                </table>
              </div>
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          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tax benefit associated with any equity-based compensation plan other than an employee stock ownership plan (ESOP). The tax benefit results from the deduction by the entity on its tax return for an award of stock that exceeds the cumulative compensation cost for common stock or preferred stock recognized for financial reporting. Includes any resulting tax benefit that exceeds the previously recognized deferred tax asset (excess tax benefits).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 740<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6419406&amp;loc=d3e23524-113945<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph 62<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6959260&amp;loc=d3e187085-122770<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The change in equity [net assets] of a business enterprise during a period from transactions and other events and circumstances from non-owner sources which are attributable to the economic entity, including both controlling (parent) and noncontrolling interests. It includes all changes in equity during a period except those resulting from investments by owners and distributions to owners, including any and all transactions which are directly or indirectly attributable to that ownership interest in subsidiary equity which is not attributable to the parent.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 55<br><br> -Paragraph 4K<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6922042&amp;loc=SL4591552-111686<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 19<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6921628&amp;loc=SL4569616-111683<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph A5<br><br> -Appendix A<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 29<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DividendsCommonStockCash">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Equity impact of common stock cash dividends declared by an entity during the period. This element includes paid and unpaid dividends declared during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6959260&amp;loc=d3e187085-122770<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DividendsCommonStockCash</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DividendsPreferredStockCash">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Equity impact of preferred stock cash dividends declared by an entity during the period. This element includes paid and unpaid dividends declared during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 405<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957935&amp;loc=d3e64057-112817<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 14<br><br> -Subparagraph l<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6959260&amp;loc=d3e187085-122770<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DividendsPreferredStockCash</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseInCarryingAmountOfRedeemablePreferredStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Adjustment to retained earnings for the increase in carrying amount of redeemable preferred stock that is classified as temporary equity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 3<br><br> -Section C<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 480<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SAB TOPIC 3.C)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6802392&amp;loc=d3e177168-122764<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncreaseInCarryingAmountOfRedeemablePreferredStock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.22)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.18)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e565-108580<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph A7<br><br> -Appendix A<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 10, 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Other Comprehensive Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 87-21<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 12: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Net Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br><br><br>Reference 13: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.19)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 14: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 03<br><br> -Paragraph 19<br><br><br><br>Reference 15: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28, 29, 30<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 16: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 20<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetIncomeLoss</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecrease">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This element represents Other Comprehensive Income or Loss, Net of Tax, for the period.  Includes deferred gains or losses on qualifying hedges, unrealized holding gains or losses on available-for-sale securities, minimum pension liability, and cumulative translation adjustment. While for technical reasons this element has no balance attribute, the default assumption is a credit balance consistent with its label.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 22, 23, 24, 25<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 12<br><br> -Paragraph 10<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e599-108580<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 31<br><br> -Article 5<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph c(3)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecrease</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The excess of (1) the carrying amount of the preferred stock in the registrant's balance sheet over (2) the fair value of the consideration transferred to the holders of the preferred stock, during the accounting period, which will be added to net earnings to arrive at net earnings available to common shareholders in the calculation of earnings per share.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6802175&amp;loc=d3e42851-122695<br><br><br><br></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount of noncash, equity-based employee remuneration. This may include the value of stock or unit options, amortization of restricted stock or units, and adjustment for officers' compensation. As noncash, this element is an add back when calculating net cash generated by operating activities using the indirect method.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total of Stockholders' Equity (deficit) items, net of receivables from officers, directors, owners, and affiliates of the entity including portions attributable to both the parent and noncontrolling interests (previously referred to as minority interest), if any. The entity including portions attributable to the parent and noncontrolling interests is sometimes referred to as the economic entity. This excludes temporary equity and is sometimes called permanent equity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 16<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6921628&amp;loc=SL4568740-111683<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 55<br><br> -Paragraph 4I<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6922042&amp;loc=SL4590271-111686<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Publisher AICPA<br><br> -Number 51<br><br> -Paragraph 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph A3<br><br> -Appendix A<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 25<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6921628&amp;loc=SL4568447-111683<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest</nobr></td>
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                    <td><strong> Data Type:</strong></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockIssuedDuringPeriodValueNewIssues">
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Equity impact of the value of new stock issued during the period. Includes shares issued in an initial public offering or a secondary public offering.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6959260&amp;loc=d3e187085-122770<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 12<br><br> -Paragraph 10<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 29, 30, 31<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Value of shares of stock issued during the period that is attributable to transactions involving issuance of stock not separately disclosed.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Value stock issued during the period as a result of the exercise of stock options.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6959260&amp;loc=d3e187085-122770<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 12<br><br> -Paragraph 10<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.29-31)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 29, 30, 31<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reductions in the entity's income taxes that arise when compensation cost (from non-qualified stock options) recognized on the entity's tax return exceeds compensation cost from non-qualified stock options recognized on the income statement. This element increases net cash provided by operating activities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph A132<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 20<br><br> -Section 55<br><br> -Paragraph 24<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6576910&amp;loc=d3e11374-113907<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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  <head>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Cash and Due from Banks<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndDueFromBanksAbstract', window );"><strong>Cash and Due from Banks</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsDisclosureTextBlock', window );">Cash and Due from Banks</a></td>
        <td class="text"><div> &nbsp;

<div style="min-width: 708px; text-align: center;">

<h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;">Note 3&nbsp;&#8212;&nbsp;Cash and Due from Banks </h2>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The Bank maintained cash balances reserved to meet regulatory requirements of the Federal Reserve Board of approximately $1,155,000 and $4,248,000 at December 31, 2011 and 2010, respectively. </p></div> </div><span></span></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for cash and cash equivalent footnotes,  which may include the types of deposits and money market instruments, applicable carrying amounts, restricted amounts and compensating balance arrangements. Cash and equivalents include: (1) currency on hand (2) demand deposits with banks or financial institutions (3) other kinds of accounts that have the general characteristics of demand deposits (4) short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Generally, only investments maturing within three months from the date of acquisition qualify.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4273-108586<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 7<br><br> -Footnote 1<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 8, 9, 10<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SAB TOPIC 6.H.3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13728-122682<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 1<br><br> -Article 5<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506951<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 6<br><br> -Section H<br><br> -Subsection 3<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash Equivalents<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6507016<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
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          <div style="width: 200px;"><strong>Quarterly Financial Information of Center Bancorp, Inc. (Unaudited)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2011</div>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_QuarterlyFinancialInformationTextBlock', window );">Quarterly Financial Information of Center Bancorp, Inc. (Unaudited)</a></td>
        <td class="text"><div> <div style="min-width: 708px; text-align: center;">

<h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;">Note 20&nbsp;&#8212;&nbsp;Quarterly Financial Information of Center Bancorp, Inc. (Unaudited) </h2>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="608">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="15">2011</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">4th Quarter</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">3rd Quarter</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2nd Quarter</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">1st Quarter</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="15"><font style="font-weight: normal;" class="_mt">(Dollars in Thousands, Except per Share Data)</font></td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Total interest income</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">13,263</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">12,919</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">12,878</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">12,867</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Total interest expense</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">3,101</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">3,069</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">3,085</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">2,922</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Net interest income</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">10,162</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">9,850</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">9,793</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">9,945</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Provision for loan losses</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">300</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1,020</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">250</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">878</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Total other income, net of securities gains</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1,049</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1,033</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">931</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">831</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Net securities gains</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">817</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1,250</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">801</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">766</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Other expense</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">6,222</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">5,529</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">5,757</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">5,935</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Income before income taxes</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">5,506</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">5,584</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">5,518</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">4,729</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Provision from income taxes</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">1,884</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">1,882</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">1,934</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">1,711</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Net income</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">3,622</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">3,702</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">3,584</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">3,018</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Net income available to common stockholders</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">3,238</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">3,557</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">3,439</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">2,872</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Earnings per share:<br /></td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Basic</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">0.20</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">0.22</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">0.21</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">0.18</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Diluted</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">0.20</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">0.22</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">0.21</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">0.18</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Weighted average common shares outstanding:<br /></td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Basic</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">16,311,193</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">16,290,700</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">16,290,700</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">16,290,391</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Diluted</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">16,327,990</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">16,313,366</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">16,315,667</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">16,300,604</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="608">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="15">2010</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">4th Quarter</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">3rd Quarter</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">2nd Quarter</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">1st Quarter</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="15"><font style="font-weight: normal;" class="_mt">(Dollars in Thousands, Except per Share Data)</font></td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Total interest income</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">11,519</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">12,035</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">12,488</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">12,672</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Total interest expense</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">3,138</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">3,653</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">3,831</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">4,163</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Net interest income</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">8,381</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">8,382</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">8,657</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">8,509</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Provision for loan losses</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">2,048</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1,307</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">781</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">940</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Total other income, net of securities gains</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">989</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1,102</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">825</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">895</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Net securities gains (losses)</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">315</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1,033</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">657</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(3,344</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Other expense</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">5,997</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">5,442</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">6,268</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">6,392</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Income (loss) before income taxes</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">1,640</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">3,768</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">3,090</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">(1,272</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 1pt solid; padding-left: 10pt; vertical-align: text-bottom;">Provision (Benefit) from income taxes</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">(930</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">1,629</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">1,076</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 1pt solid; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: right; vertical-align: text-bottom;">(1,553</td>
<td style="border-bottom: white 1pt solid; text-align: left; white-space: nowrap; vertical-align: text-bottom;">)&nbsp;</td></tr>
<tr style="background-color: white;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Net income</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">2,570</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">2,139</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">2,014</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">281</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="border-bottom: white 3px double; padding-left: 10pt; vertical-align: text-bottom;">Net income available to common stockholders</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">2,426</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">1,993</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">1,868</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: white 3px double; text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 3px double; text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="border-bottom: black 3px double; text-align: right; vertical-align: text-bottom;">136</td>
<td style="border-bottom: white 3px double; text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Earnings per share:<br /></td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Basic</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">0.15</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">0.14</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">0.13</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">0.01</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Diluted</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">0.15</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">0.14</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">0.13</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">0.01</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Weighted average common shares outstanding:<br /></td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Basic</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">16,289,832</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">14,649,397</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">14,574,832</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">14,574,832</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Diluted</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">16,290,071</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">14,649,397</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">14,576,223</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">14,579,871</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div>

<p style="text-align: left; text-indent: 1px;"> </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Note:&nbsp;&nbsp;Due to rounding, quarterly earnings per share may not sum to reported annual earnings per share.</p></div> </div><span></span></td>
      </tr>
    </table>
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                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_QuarterlyFinancialInformationDisclosureAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
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          <div style="width: 200px;"><strong>Stockholders' Equity and Regulatory Requirements<br></strong></div>
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<h2 style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: bold 10pt/12pt serif; padding-top: 5pt;">Note 13&nbsp;&#8212;&nbsp;Stockholders' Equity and Regulatory Requirements </h2>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">On January 12, 2009, the Corporation issued $10 million in nonvoting senior preferred stock to the U.S. Department of Treasury under the Capital Purchase Program. As part of the transaction, the Corporation also issued warrants to the U.S. Treasury to purchase 173,410 shares of common stock of the Corporation at an exercise price of $8.65 per share. As previously announced, the Corporation's voluntary participation in the Capital Purchase Program amounted to approximately 50 percent of what the Corporation had qualified for under the U.S. Treasury program. The Corporation believed that its participation in this program would strengthen its current well-capitalized position. The funding was used to support future loan growth. As a result of the successful completion of the rights offering in October 2009, the number of shares underlying the warrants held by the U.S. Treasury was reduced to 86,705 shares, or 50 percent of the original 173,410 shares as outlined by the provisions of the Capital Purchase Program. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">On September 15, 2011, the Corporation issued $11.25 million in nonvoting senior preferred stock to the Treasury under the Small Business Lending Fund Program ("SBLF Program"). Under the Securities Purchase Agreement, the Corporation issued to the Treasury a total of 11,250 shares of the Corporation's Senior Non-Cumulative Perpetual Preferred Stock, Series B, having a liquidation value of $1,000 per share. Simultaneously, using the proceeds from the issuance of the SBLF Preferred Stock, the Corporation redeemed from the Treasury, all 10,000 outstanding shares of its Fixed Rate Cumulative Perpetual Preferred Stock, Series A, liquidation amount $1,000 per share, for a redemption price of $10,041,667, including accrued but unpaid dividends up to the date of redemption. The investment in the SBLF program provides the Corporation with approximately $1.25 million additional Tier 1 capital. The capital received under the program will allow the Corporation to continue to serve its small business clients through the commercial lending program. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">On December 7, 2011, the Corporation repurchased the warrants issued on January 12, 2009 to the U.S. Treasury as part of its participation in the U.S. Treasury's TARP Capital Purchase Program. In the repurchase, the Corporation paid the U.S. Treasury $245,000 for the warrants. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Federal Deposit Insurance Corporation ("FDIC") and the Board of Governors of the Federal Reserve System ("FRB") regulations require banks to maintain minimum levels of regulatory capital. Under the regulations in effect at December 31, 2011, the Bank was required to maintain (i) a minimum leverage ratio of Tier I capital to total adjusted assets of 4.00 percent, and (ii) minimum ratios of Tier I and total capital to risk-weighted assets of 4.00 percent and 8.00 percent, respectively. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">Under its prompt corrective action regulations, the regulators are required to take certain supervisory actions with respect to an undercapitalized institution. Such actions could have a direct material effect on the institution's financial statements. The regulations establish a framework for the classification of financial institutions into five categories: well capitalized, adequately capitalized, undercapitalized, significantly undercapitalized and critically undercapitalized. Generally, an institution is considered well capitalized if it has a leverage (Tier I) capital ratio of at least 5.00 percent; a Tier I risk-based capital ratio of at least 6.00 percent; and a total risk-based capital ratio of at least 10.00 percent. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The foregoing capital ratios are based in part on specific quantitative measures of assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices. Capital amounts and classifications are also subject to qualitative judgments by the regulators about capital components, risk weightings and other factors. The Comptroller of the Currency ("OCC") has established higher minimum capital ratios for the Bank effective as of December 31, 2009: Tier 1 Risk-Based Capital of 10.0 percent, Total Risk-Based Capital of 12.0 percent and Tier 1 Leverage Capital of 8.0 percent. Similar categories apply to bank holding companies. At December 31, 2011, the Bank's capital ratios were all above the minimum levels required. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">At December 31, 2011, management believes that the Bank and the Parent Corporation met all capital adequacy requirements to which they are subject. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The following is a summary of the Bank's and the Parent Corporation's actual capital amounts and ratios as of December 31, 2011 and 2010, compared to the FRB and FDIC minimum capital adequacy requirements and the FRB and FDIC requirements for classification as a well-capitalized institution. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="608">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7">Union Center<br />National Bank</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7">Minimum<br />Capital Adequacy</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7">For Classification<br />Under Corrective<br />Action Plan<br />as Well Capitalized</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Amount</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Ratio</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Amount</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Ratio</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Amount</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Ratio</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="23"><font style="font-weight: normal;" class="_mt">(Dollars in Thousands)</font></td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">December 31, 2011 Leverage (Tier 1) capital</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">127,473</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">9.15</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">55,726</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">4.00</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">69,657</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">5.00</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;">Risk-Based Capital:<br /></td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Tier 1</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">127,473</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">11.81</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">43,175</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">4.00</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">64,762</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">6.00</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Total</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">137,075</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">12.70</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">86,346</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">8.00</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">107,933</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">10.00</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">December 31, 2010 Leverage (Tier 1) capital</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">112,601</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">9.56</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">48,088</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">4.00</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">59,262</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">5.00</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;">Risk-Based Capital:<br /></td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Tier 1</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">112,601</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">12.83</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">35,116</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">4.00</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">52,674</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">6.00</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Total</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">121,468</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">13.84</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">70,232</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">8.00</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">87,790</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">10.00</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td></tr></table></div>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 0pt; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;"> </p>

<div style="text-align: center;">

<table style="text-align: left; padding-bottom: 3pt; text-transform: none; font-variant: normal; font-style: normal; text-indent: 0px; margin: -24pt 0pt 0pt; padding-left: 0pt; padding-right: 0pt; font-family: serif; font-size: 10pt; vertical-align: text-bottom; font-weight: normal; padding-top: 3pt;" cellspacing="0" cellpadding="0" width="608">
<tr><td> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td>
<td style="border-bottom: medium none; text-align: center; width: 12px; vertical-align: text-bottom;">&nbsp;</td>
<td colspan="3"> </td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;"> </td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7">Parent Corporation</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7">Minimum Capital<br />Adequacy</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="7">For Classification<br />as Well Capitalized</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Amount</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Ratio</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Amount</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Ratio</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Amount</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="border-bottom: black 1pt solid; text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="3">Ratio</td></tr>
<tr><td style="text-align: left; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;">&nbsp;&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; line-height: normal; font-size: 8pt; vertical-align: text-bottom; font-weight: bold;" colspan="23"><font style="font-weight: normal;" class="_mt">(Dollars in Thousands)</font></td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">December 31, 2011 Leverage (Tier 1) capital</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">129,437</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">9.29</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">55,732</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">4.00</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">69,665</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">5.00</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;">Risk-Based Capital:<br /></td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Tier 1</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">129,437</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">12.00</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">43,146</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">4.00</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">64,719</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">6.00</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Total</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">139,039</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">12.89</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">86,293</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">8.00</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">N/A</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">N/A</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">December 31, 2010 Leverage (Tier 1) capital</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">116,600</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">9.90</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">48,098</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">4.00</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">59,275</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">5.00</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom; font-weight: bold;">Risk-Based Capital:<br /></td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">&nbsp;&nbsp;</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr>
<tr style="background-color: #ccffcc;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Tier 1</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">116,600</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">13.28</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">35,124</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">4.00</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">$</td>
<td style="text-align: right; vertical-align: text-bottom;">52,686</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">6.00</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td></tr>
<tr style="background-color: white;"><td style="padding-left: 10pt; vertical-align: text-bottom;">Total</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">125,467</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">14.29</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">70,248</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">8.00</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">%&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">N/A</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: center; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: left; width: 6px; vertical-align: text-bottom;">&nbsp;</td>
<td style="text-align: right; vertical-align: text-bottom;">N/A</td>
<td style="text-align: left; white-space: nowrap; vertical-align: text-bottom;">&nbsp;</td></tr></table></div>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The Corporation issued $5.2 million of subordinated debentures in 2003. These securities are included as a component of Tier 1 Capital for regulatory purposes. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">On March 1, 2005, the Federal Reserve adopted a final rule that allows the continued inclusion of outstanding and prospective issuances of trust preferred securities in the Tier I Capital of bank holding companies, subject to stricter quantitative limits and qualitative standards. The new quantitative limits became effective after a five-year transition period ended March 31, 2009. Under the final rules, trust preferred securities and other restricted core capital elements are limited to 25% of all core capital elements. Amounts of restricted core capital elements in excess of these limits may be included in Tier II Capital. Based on a review of the final rule, the Corporation believes that its trust preferred issues qualify as Tier I Capital. However, in the event that the trust preferred issues do not qualify as Tier I Capital, the Corporation would remain well-capitalized. </p>

<p style="text-align: left; padding-bottom: 3pt; text-transform: none; text-indent: 20px; margin: 0pt; padding-left: 4px; padding-right: 0pt; font: 10pt/12pt serif; padding-top: 3pt;">The Dodd-Frank Act includes certain provisions, often referred to as the "Collins Amendment," concerning the capital requirements of the United States banking regulators. These provisions are intended to subject bank holding companies to the same capital requirements as their bank subsidiaries and to eliminate or significantly reduce the use of hybrid capital instruments, especially trust preferred securities, as regulatory capital. Under the Collins Amendment, trust preferred securities issued by a company, such as Union Center National Bank, with total consolidated assets of less than $15 billion before May 19, 2010 and treated as regulatory capital are grandfathered, but any such securities issued later are not eligible as regulatory capital. The banking regulators must develop regulations setting minimum risk-based and leverage capital requirements for holding companies and banks on a consolidated basis that are no less stringent than the generally applicable requirements in effect for depository institutions under the prompt corrective action regulations. The banking regulators also must seek to make capital standards countercyclical so that the required levels of capital increase in times of economic expansion and decrease in times of economic contraction. The Dodd-Frank Act requires these new capital regulations to be adopted by the Federal Reserve in final form 18 months after the date of enactment of the Dodd-Frank Act (July 21, 2010). </p></div> </div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for shareholders' equity, comprised of portions attributable to the parent entity and noncontrolling interest, if any, including other comprehensive income (as applicable).  Including, but not limited to: (1) balances of common stock, preferred stock, additional paid-in capital, other capital and retained earnings; (2) accumulated balance for each classification of other comprehensive income and total amount of comprehensive income; (3) amount and nature of changes in separate accounts, including the number of shares authorized and outstanding, number of shares issued upon exercise and conversion, and for other comprehensive income, the adjustments for reclassifications to net income; (4) rights and privileges of each class of stock authorized; (5) basis of treasury stock, if other than cost, and amounts paid and accounting treatment for treasury stock purchased significantly in excess of market; (6) dividends paid or payable per share and in the aggregate for each class of stock for each period presented; (7) dividend restrictions and accumulated preferred dividends in arrears (in aggregate and per share amount); (8) retained earnings appropriations or restrictions, such as dividend restrictions; (9) impact of change in accounting principle, initial adoption of new accounting principle and correction of an error in previously issued financial statements; (10) shares held in trust for Employee Stock Ownership Plan (ESOP); (11) deferred compensation related to issuance of capital stock; (12) note received for issuance of stock; (13) unamortized discount on shares; (14) description, terms, and number of warrants or rights outstanding; (15) shares under subscription and subscription receivables, effective date of new retained earnings after quasi-reorganization and deficit eliminated by quasi-reorganization and, for a period of at least ten years after the effective date, the point in time from which the new retained dates; and (16) retroactive effective of subsequent change in capital structure.</p>
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