<SUBMISSION>
<ACCESSION-NUMBER>0001193125-03-004686
<TYPE>10-Q
<PUBLIC-DOCUMENT-COUNT>3
<PERIOD>20030331
<FILING-DATE>20030513
<FILER>
<COMPANY-DATA>
<CONFORMED-NAME>OCEANFIRST FINANCIAL CORP
<CIK>0001004702
<ASSIGNED-SIC>6035
<IRS-NUMBER>223412577
<STATE-OF-INCORPORATION>DE
<FISCAL-YEAR-END>1231
</COMPANY-DATA>
<FILING-VALUES>
<FORM-TYPE>10-Q
<ACT>34
<FILE-NUMBER>001-11713
<FILM-NUMBER>03695209
</FILING-VALUES>
<BUSINESS-ADDRESS>
<STREET1>975 HOOPER AVE
<CITY>TOMS RIVER
<STATE>NJ
<ZIP>08753-8396
<PHONE>7322404500
</BUSINESS-ADDRESS>
<MAIL-ADDRESS>
<STREET1>975 HOOPER AVENUE
<CITY>TOMS RIVER
<STATE>NJ
<ZIP>08723
</MAIL-ADDRESS>
<FORMER-COMPANY>
<FORMER-CONFORMED-NAME>OCEAN FINANCIAL CORP
<DATE-CHANGED>19951208
</FORMER-COMPANY>
</FILER>
<DOCUMENT>
<TYPE>10-Q
<SEQUENCE>1
<FILENAME>d10q.htm
<DESCRIPTION>FORM 10Q
<TEXT>
<HTML><HEAD>
<TITLE>Form 10Q</TITLE>
</HEAD>
<BODY bgcolor="#FFFFFF"> <hr size="4" width="100%" noshade color=black> <p align="center"><font size="5" face="Times New Roman"><b>UNITED STATES<br> SECURITIES AND EXCHANGE COMMISSION<br> </b></font> <font size="3"><b>WASHINGTON, DC
20549</b></font></p> <p align="center"> <font size="5" face="Times New Roman"><b>FORM 10-Q</b></font></p>
<table align="center" border="0" style="border-collapse:collapse" cellspacing="0" cellpadding="0" width="100%">
<tr>
<td width="6%" valign="top"> <p align="center"> <font size="3" face="Wingdings">x</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="90%" valign="bottom"> <p> <font size="3" face="Times New Roman"><b>QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934</b></font></p> </td> </tr>
<tr>
<td width="6%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="90%" valign="bottom"> <p> <font size="2" face="Times New Roman"><b>For the quarterly period ended March 31, 2003</b></font></p> </td> </tr>
<tr>
<td width="6%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="90%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="6%" valign="top"> <p align="center"> <font size="3" face="Wingdings">o</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="90%" valign="bottom"> <p> <font size="3" face="Times New Roman"><b>TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934</b></font></p> </td> </tr>
<tr>
<td width="6%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="90%" valign="bottom"> <p> <font size="2" face="Times New Roman"><b>For the transition period from _______ to _______</b></font></p> </td> </tr>
<tr>
<td width="6%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="90%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="100%" colspan="3" valign="bottom"> <p align="center"><font size="2" face="Times New Roman"><b>Commission file number 0-27428</b></font></p> </td> </tr> </table> <BR>
<table align="center" border="0" style="border-collapse:collapse" cellspacing="0" cellpadding="0" width="100%">
<tr>
<td width="100%" colspan="3" valign="bottom"> <p align="center"> <font size="6" face="Times New Roman"><b>OceanFirst Financial Corp.</b></font></p> </td> </tr>
<tr>
<td width="100%" colspan="3" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td> </tr>
<tr>
<td width="100%" colspan="3" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>(Exact name of registrant as specified in its charter)</b></font></p> </td> </tr>
<tr>
<td width="100%" colspan="3" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td> </tr>
<tr>
<td width="49%" valign="bottom"> <p align="center"> <font size="2" face="Times New Roman"><b>Delaware</b></font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="49%" valign="bottom"> <p align="center"> <font size="2" face="Times New Roman"><b>22-3412577</b></font></p> </td> </tr>
<tr>
<td width="49%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="49%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td> </tr>
<tr>
<td width="49%" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>(State of other jurisdiction of incorporation or organization)</b></font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="49%" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>(I.R.S. Employer Identification No.)</b></font></p> </td> </tr>
<tr>
<td width="49%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="49%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td> </tr>
<tr>
<td width="49%" valign="bottom"> <p align="center"> <font size="2" face="Times New Roman"><b>975 Hooper Avenue, Toms River, NJ</b></font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="49%" valign="bottom"> <p align="center"> <font size="2" face="Times New Roman"><b>08754-2009</b></font></p> </td> </tr>
<tr>
<td width="49%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="49%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td> </tr>
<tr>
<td width="49%" valign="bottom"> <p align="center"><font size="1" face="Times New Roman"><b>(Address of principal executive offices)</b></font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="49%" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>(Zip Code)</b></font></p> </td> </tr>
<tr>
<td width="49%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="49%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td> </tr>
<tr>
<td width="100%" colspan="3" valign="bottom"> <p align="center"> <font size="2" face="Times New Roman"><b>Registrant&#146;s telephone number, including area
code:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(732)240-4500</b></font></p> </td> </tr>
<tr>
<td width="100%" colspan="3" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td> </tr>
<tr>
<td width="100%" colspan="3" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td> </tr>
<tr>
<td width="100%" colspan="3" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>(Former name, former address and formal fiscal year, if changed since last report)</b></font></p> </td> </tr> </table> <p> <font size="2"
face="Times New Roman">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.</font></p>
<table align="center" border="0" style="border-collapse:collapse" cellspacing="0" cellpadding="0" width="13%">
<tr>
<td width="53%" valign="top"> <p> <font size="2" face="Times New Roman">YES&nbsp;&nbsp;</font> <font size="2" face="Wingdings">x</font></p> </td>
<td width="46%" valign="top"> <p> <font size="2" face="Times New Roman">NO&nbsp;&nbsp;</font> <font size="2" face="Wingdings">o</font></p> </td> </tr> </table> <p><font size="2" face="Times New Roman">Indicate by check mark whether the registrant is
an accelerated filer (as defined in Rule 12b-2 of the Exchange Act).</font></p>
<table align="center" border="0" style="border-collapse:collapse" cellspacing="0" cellpadding="0" width="13%">
<tr>
<td width="7%" valign="top"> <p> <font size="2" face="Times New Roman">YES&nbsp;&nbsp;</font> <font size="2" face="Wingdings">x</font></p> </td>
<td width="6%" valign="top"> <p> <font size="2" face="Times New Roman">NO&nbsp;&nbsp;</font> <font size="2" face="Wingdings">o</font></p> </td> </tr> </table> <p> <font size="2" face="Times New Roman">As of May 8, 2003, there were 13,756,348 shares
of the Registrant&#146;s Common Stock, par value $.01 per share, outstanding.</font></p> <hr size="4" width="100%" noshade color=black>

<p Style = "page-break-before-always">
<HR  SIZE="3" COLOR="#999999" WIDTH="100%" ALIGN="CENTER">
<a name="toc"></a> <p align="center"> <font size="2" face="Times New Roman"><b>OceanFirst Financial Corp.</b></font></p> <p align="center"> <font size="2" face="Times New Roman">INDEX TO FORM 10-Q</font></p>
<table align="center" border="0" style="border-collapse:collapse" cellspacing="0" cellpadding="0" width="100%">
<tr>
<td width="10%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="84%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="5%" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>PAGE</b></font></p> </td> </tr>
<tr>
<td width="10%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="84%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="5%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td> </tr>
<tr>
<td width="10%" valign="bottom"> <p> <font size="2" face="Times New Roman"><u>PART I.</u></font></p> </td>
<td width="84%" valign="bottom"> <p> <font size="2" face="Times New Roman"><u>FINANCIAL INFORMATION</u></font></p> </td>
<td width="5%" valign="bottom"> <p align=right>&nbsp;</p> </td> </tr>
<tr>
<td width="10%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="84%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="5%" valign="bottom"> <p align=right>&nbsp;</p> </td> </tr>
<tr>
<td width="10%" valign="bottom"> <p> <font size="2" face="Times New Roman">Item 1.</font></p> </td>
<td width="84%" valign="bottom"> <p> <font size="2" face="Times New Roman">Consolidated Financial Statements (Unaudited)</font></p> </td>
<td width="5%" valign="bottom"> <p align=right>&nbsp;</p> </td> </tr>
<tr>
<td width="10%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="84%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="5%" valign="bottom"> <p align=right>&nbsp;</p> </td> </tr>
<tr>
<td width="10%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="84%" valign="bottom"> <p><font size="2" face="Times New Roman">
<a href="#tx317_1">Consolidated Statements of Financial Condition as of March 31, 2003 and December 31, 2002</a></font></p> </td>
<td width="5%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">1</font></p> </td> </tr>
<tr>
<td width="10%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="84%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="5%" valign="bottom"> <p align=right>&nbsp;</p> </td> </tr>
<tr>
<td width="10%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="84%" valign="bottom"> <p> <font size="2" face="Times New Roman">
<a href="#tx317_2">Consolidated Statements of Income for the three months ended March 31, 2003 and 2002</a></font></p> </td>
<td width="5%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">2</font></p> </td> </tr>
<tr>
<td width="10%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="84%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="5%" valign="bottom"> <p align=right>&nbsp;</p> </td> </tr>
<tr>
<td width="10%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="84%" valign="bottom"> <p> <font size="2" face="Times New Roman">
<a href="#tx317_3">Consolidated Statements of Cash Flows for the three months ended March 31, 2003 and 2002</a></font></p> </td>
<td width="5%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">3</font></p> </td> </tr>
<tr>
<td width="10%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="84%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="5%" valign="bottom"> <p align=right>&nbsp;</p> </td> </tr>
<tr>
<td width="10%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="84%" valign="bottom"> <p> <font size="2" face="Times New Roman">
<a href="#tx317_4">Notes to Unaudited Consolidated Financial Statements</a></font></p> </td>
<td width="5%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">5</font></p> </td> </tr>
<tr>
<td width="10%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="84%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="5%" valign="bottom"> <p align=right>&nbsp;</p> </td> </tr>
<tr>
<td width="10%" valign="bottom"> <p><font size="2" face="Times New Roman">Item 2.</font></p> </td>
<td width="84%" valign="bottom"> <p> <font size="2" face="Times New Roman">
<a href="#tx317_5">Management&#146;s Discussion and Analysis of Financial Condition and Results of Operations</a></font></p> </td>
<td width="5%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">7</font></p> </td> </tr>
<tr>
<td width="10%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="84%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="5%" valign="bottom"> <p align=right>&nbsp;</p> </td> </tr>
<tr>
<td width="10%" valign="bottom"> <p> <font size="2" face="Times New Roman">Item 3.</font></p> </td>
<td width="84%" valign="bottom"> <p> <font size="2" face="Times New Roman">
<a href="#tx317_6">Quantitative and Qualitative Disclosure about Market Risk</a></font></p> </td>
<td width="5%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">10</font></p> </td> </tr>
<tr>
<td width="10%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="84%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="5%" valign="bottom"> <p align=right>&nbsp;</p> </td> </tr>
<tr>
<td width="10%" valign="bottom"> <p> <font size="2" face="Times New Roman">Item 4.</font></p> </td>
<td width="84%" valign="bottom"> <p> <font size="2" face="Times New Roman">
<a href="#tx317_7">Controls and Procedures</a></font></p> </td>
<td width="5%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">11</font></p> </td> </tr>
<tr>
<td width="10%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="84%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="5%" valign="bottom"> <p align=right>&nbsp;</p> </td> </tr>
<tr>
<td width="10%" valign="bottom"> <p> <font size="2" face="Times New Roman"><u>Part II</u>.</font></p> </td>
<td width="84%" valign="bottom"> <p> <font size="2" face="Times New Roman"><u>
<a href="#tx317_8">OTHER INFORMATION</a></u></font></p> </td>
<td width="5%" valign="bottom"> <p align=right>&nbsp;</p> </td> </tr>
<tr>
<td width="10%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="84%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="5%" valign="bottom"> <p align=right>&nbsp;</p> </td> </tr>
<tr>
<td width="10%" valign="bottom"> <p><font size="2" face="Times New Roman">Item 1.</font></p> </td>
<td width="84%" valign="bottom"> <p> <font size="2" face="Times New Roman">
<a href="#tx317_9">Legal Proceedings</a></font></p> </td>
<td width="5%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">12</font></p> </td> </tr>
<tr>
<td width="10%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="84%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="5%" valign="bottom"> <p align=right>&nbsp;</p> </td> </tr>
<tr>
<td width="10%" valign="bottom"> <p> <font size="2" face="Times New Roman">Item 2.</font></p> </td>
<td width="84%" valign="bottom"> <p> <font size="2" face="Times New Roman">
<a href="#tx317_10">Changes in Securities</a></font></p> </td>
<td width="5%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">12</font></p> </td> </tr>
<tr>
<td width="10%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="84%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="5%" valign="bottom"> <p align=right>&nbsp;</p> </td> </tr>
<tr>
<td width="10%" valign="bottom"> <p> <font size="2" face="Times New Roman">Item 3.</font></p> </td>
<td width="84%" valign="bottom"> <p> <font size="2" face="Times New Roman">
<a href="#tx317_11">Default Upon Senior Securities</a></font></p> </td>
<td width="5%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">12</font></p> </td> </tr>
<tr>
<td width="10%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="84%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="5%" valign="bottom"> <p align=right>&nbsp;</p> </td> </tr>
<tr>
<td width="10%" valign="bottom"> <p> <font size="2" face="Times New Roman">Item 4.</font></p> </td>
<td width="84%" valign="bottom"> <p> <font size="2" face="Times New Roman">
<a href="#tx317_12">Submission of Matters to a Vote of Security Holders</a></font></p> </td>
<td width="5%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">12</font></p> </td> </tr>
<tr>
<td width="10%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="84%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="5%" valign="bottom"> <p align=right>&nbsp;</p> </td> </tr>
<tr>
<td width="10%" valign="bottom"> <p><font size="2" face="Times New Roman">Item 5.</font></p> </td>
<td width="84%" valign="bottom"> <p> <font size="2" face="Times New Roman">
<a href="#tx317_13">Other Information</a></font></p> </td>
<td width="5%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">12</font></p> </td> </tr>
<tr>
<td width="10%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="84%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="5%" valign="bottom"> <p align=right>&nbsp;</p> </td> </tr>
<tr>
<td width="10%" valign="bottom"> <p> <font size="2" face="Times New Roman">Item 6.</font></p> </td>
<td width="84%" valign="bottom"> <p> <font size="2" face="Times New Roman">
<a href="#tx317_14">Exhibits and Reports on Form 8-K</a></font></p> </td>
<td width="5%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">12</font></p> </td> </tr>
<tr>
<td width="10%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="84%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="5%" valign="bottom"> <p align=right>&nbsp;</p> </td> </tr>
<tr>
<td width="94%" colspan="2" valign="bottom"> <p> <font size="2" face="Times New Roman">
<a href="#tx317_15">Signatures</a></font></p> </td>
<td width="5%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">14</font></p> </td> </tr>
<tr>
<td width="94%" colspan="2" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="5%" valign="bottom"> <p align=right>&nbsp;</p> </td> </tr>
<tr>
<td width="94%" colspan="2" valign="bottom"> <p> <font size="2" face="Times New Roman">
<a href="#tx317_16">Certifications</a></font></p> </td>
<td width="5%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">15</font></p> </td> </tr> </table>

<p Style = "page-break-before-always">
<HR  SIZE="3" COLOR="#999999" WIDTH="100%" ALIGN="CENTER"> <p align="center"> <font size="2" face="Times New Roman"><b>wOceanFirst Financial Corp.<br>
<a name="tx317_1"></a>Consolidated Statements of Financial Condition<br> </b>(dollars in thousands, except per share amounts)</font></p>
<table align="center" border="0" style="border-collapse:collapse" cellspacing="0" cellpadding="0" width="100%">
<tr>
<td width="76%" colspan="2" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <p align="center"><font size="1" face="Times New Roman"><b>March 31,<br> 2003</b></font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>December 31,<br> 2002</b></font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" colspan="2" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" colspan="2" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <p align=right> <font size="1" face="Times New Roman"><b>(Unaudited)</b></font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" colspan="2" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"> <font size="2" face="Times New Roman"><b><u>ASSETS</u></b></font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" colspan="2" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="2" face="Times New Roman">Cash and due from banks</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">35,104</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">17,192</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" colspan="2" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"> <font size="2" face="Times New Roman">Investment securities available for sale</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">77,823</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">91,978</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" colspan="2" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"> <font size="2" face="Times New Roman">Federal Home Loan Bank of New York stock, at cost</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">19,850</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">18,700</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" colspan="2" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"> <font size="2" face="Times New Roman">Mortgage-backed securities available for sale</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">142,587</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">138,657</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" colspan="2" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="2" face="Times New Roman">Loans receivable, net</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">1,336,696</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">1,335,898</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" colspan="2" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"> <font size="2" face="Times New Roman">Mortgage loans held for sale</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">57,211</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">66,626</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" colspan="2" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"> <font size="2" face="Times New Roman">Interest and dividends receivable</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">6,572</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">6,378</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" colspan="2" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"> <font size="2" face="Times New Roman">Real estate owned, net</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">&#151;&nbsp;&nbsp;</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">141</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" colspan="2" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="2" face="Times New Roman">Premises and equipment, net</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">17,320</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">17,708</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" colspan="2" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"> <font size="2" face="Times New Roman">Servicing asset</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">7,328</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">7,907</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" colspan="2" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"> <font size="2" face="Times New Roman">Bank Owned Life Insurance</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">32,818</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">32,398</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" colspan="2" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"> <font size="2" face="Times New Roman">Other assets</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">11,628</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">10,115</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" colspan="2" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" colspan="2" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:5em; text-indent:-1em"><font size="2" face="Times New Roman">Total assets</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">1,744,937</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">1,743,698</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" colspan="2" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%"> <hr size="3" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="3" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%"> <hr size="3" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="3" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" colspan="2" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"> <font size="2" face="Times New Roman"><b><u>LIABILITIES AND STOCKHOLDERS&#146; EQUITY</u></b></font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" colspan="2" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="2" face="Times New Roman">Deposits</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">1,151,882</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">1,184,836</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" colspan="2" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"> <font size="2" face="Times New Roman">Securities sold under agreements to repurchase with retail customers</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">52,870</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">44,584</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" colspan="2" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"> <font size="2" face="Times New Roman">Securities sold under agreements to repurchase with the Federal Home Loan Bank</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">115,000</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">140,000</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" colspan="2" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"> <font size="2" face="Times New Roman">Federal Home Loan Bank advances</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">269,500</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">214,000</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" colspan="2" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="2" face="Times New Roman">Advances by borrowers for taxes and insurance</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">6,789</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">5,952</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" colspan="2" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"> <font size="2" face="Times New Roman">Other liabilities</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">13,524</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">19,021</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" colspan="2" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" colspan="2" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:5em; text-indent:-1em"> <font size="2" face="Times New Roman">Total liabilities</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">1,609,565</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">1,608,393</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" colspan="2" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" colspan="2" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="2" face="Times New Roman">Stockholders&#146; equity:</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" colspan="2" valign="bottom"> <p style="margin-left:3em; text-indent:-1em"> <font size="2" face="Times New Roman">Preferred stock, $.01 par value, 5,000,000 shares authorized, no shares issued</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">&#151;&nbsp;&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">&#151;&nbsp;&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" colspan="2" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:3em; text-indent:-1em"> <font size="2" face="Times New Roman">Common stock, $.01 par value, 55,000,000 shares authorized, 27,177,372 shares issued and 13,777,942
and 13,757,880 shares outstanding at March 31, 2003 and December 31, 2002, respectively</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">272</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">272</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" colspan="2" valign="bottom"> <p style="margin-left:3em; text-indent:-1em"><font size="2" face="Times New Roman">Additional paid-in capital</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">186,740</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">184,934</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" colspan="2" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:3em; text-indent:-1em"> <font size="2" face="Times New Roman">Retained earnings</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">144,067</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">142,224</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" colspan="2" valign="bottom"> <p style="margin-left:3em; text-indent:-1em"> <font size="2" face="Times New Roman">Accumulated other comprehensive loss</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">(4,429</font></p> </td>
<td width="2%" valign="bottom"> <p> <font size="2" face="Times New Roman">)</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">(3,201</font></p> </td>
<td width="1%" valign="bottom"> <p> <font size="2" face="Times New Roman">)</font></p> </td> </tr>
<tr>
<td width="9%" valign="top" bgcolor="#cceeff"> <p style="margin-left:3em; text-indent:-1em"> <font size="2" face="Times New Roman">Less:</font></p> </td>
<td width="67%" valign="top" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">Unallocated common stock held by Employee Stock Ownership Plan (ESOP)</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">(10,913</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">)</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">(11,248</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">)</font></p> </td> </tr>
<tr>
<td width="9%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="67%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="2" face="Times New Roman">Treasury stock, 13,399,430 and 13,419,492 shares at March 31, 2003 and December 31, 2002, respectively</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">(180,365</font></p> </td>
<td width="2%" valign="bottom"> <p> <font size="2" face="Times New Roman">)</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">(177,676</font></p> </td>
<td width="1%" valign="bottom"> <p> <font size="2" face="Times New Roman">)</font></p> </td> </tr>
<tr>
<td width="76%" colspan="2" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="9%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="67%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"> <font size="2" face="Times New Roman">Total stockholders&#146; equity</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">135,372</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">135,305</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" colspan="2" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="9%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="67%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="2" face="Times New Roman">Total liabilities and stockholders&#146; equity</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">1,744,937</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">1,743,698</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" colspan="2" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%"> <hr size="3" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="3" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%"> <hr size="3" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="3" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr> </table> <p> <font size="2" face="Times New Roman">See accompanying Notes to Unaudited Consolidated Financial Statements.</font></p> <p
align="center"><font size="2" face="Times New Roman">1</font></p>

<p Style = "page-break-before-always">
<HR  SIZE="3" COLOR="#999999" WIDTH="100%" ALIGN="CENTER"> <p align="center"> <font size="2" face="Times New Roman"><b>OceanFirst Financial Corp.<br>
<a name="tx317_2"></a>Consolidated Statements of Income<br></b>(in thousands, except per share amounts)</font></p>
<table align="center" border="0" style="border-collapse:collapse" cellspacing="0" cellpadding="0" width="100%">
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="19%" colspan="5" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>For the three months<br> ended March 31,</b></font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="19%" colspan="5" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>2003</b></font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>2002</b></font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>(Unaudited)</b></font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="2" face="Times New Roman">Interest income:</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:3em; text-indent:-1em"> <font size="2" face="Times New Roman">Loans</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">22,746</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">23,856</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:3em; text-indent:-1em"> <font size="2" face="Times New Roman">Mortgage-backed securities</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">1,436</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">3,098</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:3em; text-indent:-1em"> <font size="2" face="Times New Roman">Investment securities and other</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">1,246</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">1,460</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:5em; text-indent:-1em"><font size="2" face="Times New Roman">Total interest income</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">25,428</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">28,414</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"> <font size="2" face="Times New Roman">Interest expense:</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:3em; text-indent:-1em"><font size="2" face="Times New Roman">Deposits</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">5,233</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">7,385</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:3em; text-indent:-1em"> <font size="2" face="Times New Roman">Borrowed funds</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">4,808</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">5,361</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:5em; text-indent:-1em"> <font size="2" face="Times New Roman">Total interest expense</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">10,041</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">12,746</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:5em; text-indent:-1em"><font size="2" face="Times New Roman">Net interest income</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">15,387</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">15,668</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"> <font size="2" face="Times New Roman">Provision for loan losses</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">375</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">500</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:5em; text-indent:-1em"><font size="2" face="Times New Roman">Net interest income after provision for loan losses</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">15,012</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">15,168</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"> <font size="2" face="Times New Roman">Other income:</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:3em; text-indent:-1em"> <font size="2" face="Times New Roman">Loan servicing (loss) income</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">(1,190</font></p> </td>
<td width="2%" valign="bottom"> <p> <font size="2" face="Times New Roman">)</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">41</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:3em; text-indent:-1em"><font size="2" face="Times New Roman">Fees and service charges</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">1,824</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">1,437</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:3em; text-indent:-1em"> <font size="2" face="Times New Roman">Net gain on sales of loans and securities available for sale</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">2,505</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">394</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:3em; text-indent:-1em"> <font size="2" face="Times New Roman">Net income from other real estate operations</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">110</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">19</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:3em; text-indent:-1em"><font size="2" face="Times New Roman">Income on Bank Owned Life Insurance</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">420</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">524</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:3em; text-indent:-1em"> <font size="2" face="Times New Roman">Other</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">11</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">10</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:3em; text-indent:-1em"> <font size="2" face="Times New Roman">Total other income</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">3,680</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">2,425</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="2" face="Times New Roman">Operating expenses:</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:3em; text-indent:-1em"> <font size="2" face="Times New Roman">Compensation and employee benefits</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">5,093</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">5,262</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:3em; text-indent:-1em"> <font size="2" face="Times New Roman">Occupancy</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">937</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">792</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:3em; text-indent:-1em"><font size="2" face="Times New Roman">Equipment</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">591</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">543</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:3em; text-indent:-1em"> <font size="2" face="Times New Roman">Marketing</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">421</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">424</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:3em; text-indent:-1em"> <font size="2" face="Times New Roman">Federal deposit insurance</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">93</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">126</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:3em; text-indent:-1em"> <font size="2" face="Times New Roman">Data processing</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">715</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">588</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:3em; text-indent:-1em"><font size="2" face="Times New Roman">General and administrative</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">2,766</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">2,143</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:5em; text-indent:-1em"> <font size="2" face="Times New Roman">Total operating expense</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">10,616</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">9,878</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:5em; text-indent:-1em"><font size="2" face="Times New Roman">Income before provision for income taxes</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">8,076</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">7,715</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"> <font size="2" face="Times New Roman">Provision for income taxes</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">2,827</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">2,666</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:5em; text-indent:-1em"> <font size="2" face="Times New Roman">Net income</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">5,249</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">5,049</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%"> <hr size="3" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="3" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%"> <hr size="3" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="3" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="2" face="Times New Roman">Basic earnings per share</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">0.42</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">0.38</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%"> <hr size="3" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="3" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%"> <hr size="3" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="3" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"> <font size="2" face="Times New Roman">Diluted earnings per share</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">0.40</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">0.36</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%"> <hr size="3" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="3" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%"> <hr size="3" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="3" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="2" face="Times New Roman">Average basic shares outstanding</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">12,442</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">13,182</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%"> <hr size="3" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="3" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%"> <hr size="3" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="3" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"> <font size="2" face="Times New Roman">Average diluted shares outstanding</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">13,210</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">13,895</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%"> <hr size="3" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="3" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%"> <hr size="3" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="3" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr> </table> <p><font size="2" face="Times New Roman">See accompanying Notes to Unaudited Consolidated Financial Statements.</font></p> <p
align="center"> <font size="2" face="Times New Roman">2</font></p>

<p Style = "page-break-before-always">
<HR  SIZE="3" COLOR="#999999" WIDTH="100%" ALIGN="CENTER"> <p align="center"> <font size="2" face="Times New Roman"><b>OceanFirst Financial Corp.<br>
<a name="tx317_3"></a>CONSOLIDATED STATEMENTS OF CASH FLOWS<br> </b>(dollars in thousands)</font></p>
<table align="center" border="0" style="border-collapse:collapse" cellspacing="0" cellpadding="0" width="100%">
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="19%" colspan="5" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>For the three months<br> ended March 31,</b></font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="19%" colspan="5" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>2003</b></font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>2002</b></font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <p align="center"><font size="1" face="Times New Roman"><b>(Unaudited)</b></font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"> <font size="2" face="Times New Roman">Cash flows from operating activities:</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:3em; text-indent:-1em"> <font size="2" face="Times New Roman">Net income</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">5,249</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">5,049</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:3em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="2" face="Times New Roman">Adjustments to reconcile net income to net cash provided by (used in) operating activities:</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:5em; text-indent:-1em"> <font size="2" face="Times New Roman">Depreciation and amortization of premises and equipment</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">553</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">475</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:5em; text-indent:-1em"> <font size="2" face="Times New Roman">Amortization of Incentive Awards</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">&#151;&nbsp;&nbsp;</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">161</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:5em; text-indent:-1em"><font size="2" face="Times New Roman">Amortization of ESOP</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">334</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">354</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:5em; text-indent:-1em"> <font size="2" face="Times New Roman">ESOP adjustment</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">527</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">395</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:5em; text-indent:-1em"> <font size="2" face="Times New Roman">Amortization and impairment of servicing asset</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">1,772</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">462</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:5em; text-indent:-1em"> <font size="2" face="Times New Roman">Amortization of intangible assets</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">26</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">26</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:5em; text-indent:-1em"><font size="2" face="Times New Roman">Net premium amortization in excess of discount accretion on securities</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">224</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">321</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:5em; text-indent:-1em"> <font size="2" face="Times New Roman">Net (accretion) amortization of deferred fees and discounts on loans</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">(268</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">)</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">1</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:5em; text-indent:-1em"> <font size="2" face="Times New Roman">Provision for loan losses</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">375</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">500</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:5em; text-indent:-1em"> <font size="2" face="Times New Roman">Net gain on sales of real estate owned</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">(114</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">)</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">(23</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">)</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:5em; text-indent:-1em"><font size="2" face="Times New Roman">Net gain on sales of loans and securities</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">(2,505</font></p> </td>
<td width="2%" valign="bottom"> <p> <font size="2" face="Times New Roman">)</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">(394</font></p> </td>
<td width="1%" valign="bottom"> <p> <font size="2" face="Times New Roman">)</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:5em; text-indent:-1em"> <font size="2" face="Times New Roman">Proceeds from sales of mortgage loans held for sale</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">149,411</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">127,543</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:5em; text-indent:-1em"> <font size="2" face="Times New Roman">Mortgage loans originated for sale</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">(139,007</font></p> </td>
<td width="2%" valign="bottom"> <p> <font size="2" face="Times New Roman">)</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">(162,794</font></p> </td>
<td width="1%" valign="bottom"> <p> <font size="2" face="Times New Roman">)</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:5em; text-indent:-1em"><font size="2" face="Times New Roman">Increase in value of Bank Owned Life Insurance</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">(420</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">)</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">(524</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">)</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:5em; text-indent:-1em"> <font size="2" face="Times New Roman">Increase in interest and dividends receivable</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">(194</font></p> </td>
<td width="2%" valign="bottom"> <p> <font size="2" face="Times New Roman">)</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">(434</font></p> </td>
<td width="1%" valign="bottom"> <p> <font size="2" face="Times New Roman">)</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:5em; text-indent:-1em"> <font size="2" face="Times New Roman">Increase in other assets</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">(701</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">)</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">(891</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">)</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:5em; text-indent:-1em"><font size="2" face="Times New Roman">Decrease in other liabilities</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">(4,217</font></p> </td>
<td width="2%" valign="bottom"> <p> <font size="2" face="Times New Roman">)</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">(7,290</font></p> </td>
<td width="1%" valign="bottom"> <p> <font size="2" face="Times New Roman">)</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:5em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:7em; text-indent:-1em"> <font size="2" face="Times New Roman">Total adjustments</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">5,796</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">(42,112</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">)</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:7em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:7em; text-indent:-1em"><font size="2" face="Times New Roman">Net cash provided by (used in) operating activities</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">11,045</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">(37,063</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">)</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:7em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="2" face="Times New Roman">Cash flows from investing activities:</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:3em; text-indent:-1em"> <font size="2" face="Times New Roman">Net (decrease) increase in loans receivable</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">(905</font></p> </td>
<td width="2%" valign="bottom"> <p> <font size="2" face="Times New Roman">)</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">46,951</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:3em; text-indent:-1em"> <font size="2" face="Times New Roman">Proceeds from sale of investment securities available for sale</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">1,273</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">&#151;&nbsp;&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:3em; text-indent:-1em"> <font size="2" face="Times New Roman">Purchase of investment securities available for sale</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">(1,332</font></p> </td>
<td width="2%" valign="bottom"> <p> <font size="2" face="Times New Roman">)</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">(600</font></p> </td>
<td width="1%" valign="bottom"> <p> <font size="2" face="Times New Roman">)</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:3em; text-indent:-1em"><font size="2" face="Times New Roman">Purchase of mortgage-backed securities available for sale</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">(50,392</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">)</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">&#151;&nbsp;&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:3em; text-indent:-1em"> <font size="2" face="Times New Roman">Proceeds from maturities of investment securities available for sale</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">13,171</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">&#151;&nbsp;&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:3em; text-indent:-1em"> <font size="2" face="Times New Roman">Principal payments on mortgage-backed securities available for sale</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">45,538</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">32,266</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:3em; text-indent:-1em"><font size="2" face="Times New Roman">Increase in Federal Home Loan Bank of New York stock</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">(1,150</font></p> </td>
<td width="2%" valign="bottom"> <p> <font size="2" face="Times New Roman">)</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">(325</font></p> </td>
<td width="1%" valign="bottom"> <p> <font size="2" face="Times New Roman">)</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:3em; text-indent:-1em"> <font size="2" face="Times New Roman">Proceeds from sales of real estate owned</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">255</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">72</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:3em; text-indent:-1em"> <font size="2" face="Times New Roman">Purchases of premises and equipment</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">(165</font></p> </td>
<td width="2%" valign="bottom"> <p> <font size="2" face="Times New Roman">)</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">(1,361</font></p> </td>
<td width="1%" valign="bottom"> <p> <font size="2" face="Times New Roman">)</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:3em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:9em; text-indent:-1em"><font size="2" face="Times New Roman">Net cash provided by investing activities</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">6,293</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">77,003</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:9em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr> </table> <p align=right> <font size="2" face="Times New Roman">Continued</font></p> <p align="center"><font size="2"
face="Times New Roman">3</font></p>

<p Style = "page-break-before-always">
<HR  SIZE="3" COLOR="#999999" WIDTH="100%" ALIGN="CENTER"> <p align="center"> <font size="2" face="Times New Roman"><b>OceanFirst Financial Corp.<br> CONSOLIDATED STATEMENTS OF CASH FLOWS&#160; (Continued)<br> </b>(dollars in thousands)</font></p>
<table align="center" border="0" style="border-collapse:collapse" cellspacing="0" cellpadding="0" width="100%">
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="19%" colspan="5" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>For the three months<br> ended March 31,</b></font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="19%" colspan="5" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>2003</b></font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>2002</b></font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>(Unaudited)</b></font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="2" face="Times New Roman">Cash flows from financing activities:</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:3em; text-indent:-1em"> <font size="2" face="Times New Roman">(Decrease) increase in deposits</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">(32,954</font></p> </td>
<td width="2%" valign="bottom"> <p> <font size="2" face="Times New Roman">)</font></p> </td>
<td width="1%" valign="bottom"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">4,987</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:3em; text-indent:-1em"> <font size="2" face="Times New Roman">Increase (decrease) in short-term borrowings</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">18,786</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">(45,005</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">)</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:3em; text-indent:-1em"><font size="2" face="Times New Roman">Proceeds from Federal Home Loan Bank advances</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">20,000</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">25,000</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:3em; text-indent:-1em"> <font size="2" face="Times New Roman">Repayments of Federal Home Loan Bank advances</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">&#151;&nbsp;&nbsp;</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">(15,000</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">)</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:3em; text-indent:-1em"> <font size="2" face="Times New Roman">Increase in advances by borrowers for taxes and insurance</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">837</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">133</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:3em; text-indent:-1em"> <font size="2" face="Times New Roman">Exercise of stock options</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">2,903</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">246</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:3em; text-indent:-1em"><font size="2" face="Times New Roman">Dividends paid</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">(2,247</font></p> </td>
<td width="2%" valign="bottom"> <p> <font size="2" face="Times New Roman">)</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">(2,129</font></p> </td>
<td width="1%" valign="bottom"> <p> <font size="2" face="Times New Roman">)</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:3em; text-indent:-1em"> <font size="2" face="Times New Roman">Purchase of treasury stock</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">(6,751</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">)</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">(5,881</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">)</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:3em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:5em; text-indent:-1em"><font size="2" face="Times New Roman">Net cash provided by (used in) financing activities</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">574</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">(37,649</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">)</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:3em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:5em; text-indent:-1em"> <font size="2" face="Times New Roman">Net increase in cash and due from banks</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">17,912</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">2,291</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="2" face="Times New Roman">Cash and due from banks at beginning of period</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">17,192</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">16,876</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"> <font size="2" face="Times New Roman">Cash and due from banks at end of period</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">35,104</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">19,167</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="2" face="Times New Roman">Supplemental Disclosure of Cash Flow Information:</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:3em; text-indent:-1em"> <font size="2" face="Times New Roman">Cash paid during the period for:</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:5em; text-indent:-1em"> <font size="2" face="Times New Roman">Interest</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">9,979</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">12,960</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:5em; text-indent:-1em"> <font size="2" face="Times New Roman">Income taxes</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">7,654</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">2,353</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:3em; text-indent:-1em"><font size="2" face="Times New Roman">Noncash investing activities:</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:5em; text-indent:-1em"> <font size="2" face="Times New Roman">Transfer of loans receivable to real estate owned</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">&#151;&nbsp;&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">97</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:5em; text-indent:-1em"> <font size="2" face="Times New Roman">Mortgage loans securitized into mortgage-backed securities</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">28,520</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">47,624</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:5em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr> </table> <p><font size="2" face="Times New Roman">See accompanying notes to unaudited consolidated financial statements.</font></p> <p
align="center"> <font size="2" face="Times New Roman">4</font></p>

<p Style = "page-break-before-always">
<HR  SIZE="3" COLOR="#999999" WIDTH="100%" ALIGN="CENTER"> <p align="center"> <font size="2" face="Times New Roman"><b>OceanFirst Financial Corp.</b></font></p> <p align="center">
<a name="tx317_4"></a> <font size="2" face="Times New Roman"><b><u>NOTES TO UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS</u></b></font></p> <p> <font size="2" face="Times New Roman"><b><u>Note 1. Summary of Significant Accounting
Policies</u></b></font></p> <p> <font size="2" face="Times New Roman">The accompanying unaudited consolidated financial statements include the accounts of OceanFirst Financial Corp. (the &#147;Company&#148;) and its wholly-owned subsidiary,
OceanFirst Bank (the &#147;Bank&#148;) and its wholly-owned subsidiaries, Columbia Equities, Ltd., OceanFirst REIT Holdings, Inc., OceanFirst Realty Corp. and OceanFirst Services, LLC.&#160; </font></p> <p> <font size="2" face="Times New Roman">The
interim consolidated financial statements reflect all normal and recurring adjustments which are, in the opinion of management, considered necessary for a fair presentation of the financial condition and results of operations for the periods
presented.&#160; The results of operations for the three months ended March 31, 2003 are not necessarily indicative of the results of operations that may be expected for all of 2003.</font></p> <p> <font size="2" face="Times New Roman">Certain
information and note disclosures normally included in financial statements prepared in accordance with generally accepted accounting principles have been condensed or omitted, pursuant to the rules and regulations of the Securities and Exchange
Commission.</font></p> <p> <font size="2" face="Times New Roman">These unaudited consolidated financial statements should be read in conjunction with the audited consolidated financial statements and notes thereto included in the Company&#146;s
Annual Report to Stockholders on Form 10-K for the year ended December 31, 2002.</font></p> <p> <font size="2" face="Times New Roman"><b><u>Stock Based Compensation</u></b></font></p> <p> <font size="2" face="Times New Roman">The Company accounts
for stock based compensation using the intrinsic value method under Accounting Principles Board No. 25 and accordingly has recognized no compensation expense under this method.&#160; Statement of Financial Accounting Standards No. 123, Accounting
for Stock-based Compensation as amended by Statement of Financial Accounting Standards No. 148, Accounting for Stock-based Compensation-Transition and Disclosure, permits the use of the intrinsic value method; however, requires the Company to
disclose the pro forma net income and earnings per share as if the stock-based compensation had been accounted for using the fair value method.&#160; Had the compensation costs for the Company&#146;s stock option plan been determined based on the
fair value method, the Company&#146;s net income and earnings per share would have been reduced to the pro forma amounts indicated below (in thousands except per share data):</font></p>
<table align="center" border="0" style="border-collapse:collapse" cellspacing="0" cellpadding="0" width="90%">
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="19%" colspan="5" valign="bottom"> <p align="center"><font size="1" face="Times New Roman"><b>Three months ended<br> March 31,</b></font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="19%" colspan="5" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>2003</b></font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>2002</b></font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"> <font size="2" face="Times New Roman">Net income - as reported</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">5,249</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">5,049</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:3em; text-indent:-1em"><font size="2" face="Times New Roman">Stock based employee compensation expense included in reported net income, all relating to earned incentive awards,
net of related tax effects</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">&#151;&nbsp;&nbsp;</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">105</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:3em; text-indent:-1em"> <font size="2" face="Times New Roman">Total stock-based employee compensation expense determined under the fair value based method, including earned incentive awards and
stock option grants, net of related tax effects</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">(93</font></p> </td>
<td width="2%" valign="bottom"> <p> <font size="2" face="Times New Roman">)</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">(199</font></p> </td>
<td width="1%" valign="bottom"> <p> <font size="2" face="Times New Roman">)</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:3em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:3em; text-indent:-1em"><font size="2" face="Times New Roman">Net stock based employee compensation expense not included in reported net income, all relating to stock option
grants, net of related tax effects</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">(93</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">)</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">(94</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">)</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:3em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="2" face="Times New Roman">Net income - pro forma</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">5,156</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">4,955</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"> <font size="2" face="Times New Roman">Basic earnings per share:</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:3em; text-indent:-1em"> <font size="2" face="Times New Roman">As reported</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">.42</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">.38</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:3em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:3em; text-indent:-1em"><font size="2" face="Times New Roman">Pro forma</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">.41</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">.38</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:3em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="2" face="Times New Roman">Diluted earnings per share:</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:3em; text-indent:-1em"> <font size="2" face="Times New Roman">As reported</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">.40</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">.36</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:3em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:3em; text-indent:-1em"> <font size="2" face="Times New Roman">Pro forma</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">.39</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">.36</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr> </table> <p align="center"><font size="2" face="Times New Roman">5</font></p>

<p Style = "page-break-before-always">
<HR  SIZE="3" COLOR="#999999" WIDTH="100%" ALIGN="CENTER"> <p> <font size="2" face="Times New Roman"><b><u>Earnings per Share</u></b></font></p> <p> <font size="2" face="Times New Roman">The following reconciles shares outstanding for basic and diluted earnings per share for
the three months ended March 31, 2003 and 2002 (in thousands):</font></p>
<table align="center" border="0" style="border-collapse:collapse" cellspacing="0" cellpadding="0" width="80%">
<tr>
<td width="76%" colspan="2" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="19%" colspan="5" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>Three months ended<br> March 31,</b></font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" colspan="2" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="19%" colspan="5" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" colspan="2" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>2003</b></font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>2002</b></font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" colspan="2" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" colspan="2" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="2" face="Times New Roman">Weighted average shares issued net of Treasury shares</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">13,801</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">14,740</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="5%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"> <font size="2" face="Times New Roman">Less:</font></p> </td>
<td width="71%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"> <font size="2" face="Times New Roman">Unallocated ESOP shares</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">(1,314</font></p> </td>
<td width="2%" valign="bottom"> <p> <font size="2" face="Times New Roman">)</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">(1,481</font></p> </td>
<td width="1%" valign="bottom"> <p> <font size="2" face="Times New Roman">)</font></p> </td> </tr>
<tr>
<td width="5%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="71%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"> <font size="2" face="Times New Roman">Unallocated incentive award shares</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">(45</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">)</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">(78</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">)</font></p> </td> </tr>
<tr>
<td width="76%" colspan="2" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" colspan="2" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="2" face="Times New Roman">Average basic shares outstanding</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">12,442</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">13,181</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="5%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"> <font size="2" face="Times New Roman">Add:</font></p> </td>
<td width="71%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"> <font size="2" face="Times New Roman">Effect of dilutive securities:</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="5%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="71%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"> <font size="2" face="Times New Roman">Stock options</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">732</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">648</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="5%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="71%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="2" face="Times New Roman">Incentive awards</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">36</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">65</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" colspan="2" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" colspan="2" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"> <font size="2" face="Times New Roman">Average diluted shares outstanding</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">13,210</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">13,894</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" colspan="2" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%"> <hr size="3" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="3" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%"> <hr size="3" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="3" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr> </table> <p><font size="2" face="Times New Roman"><b><u>Comprehensive Income</u></b></font></p> <p> <font size="2" face="Times New Roman">For the
three month periods ended March 31, 2003 and 2002, total comprehensive income, representing net income plus or minus items recorded directly in equity, such as the change in unrealized gains or losses on securities available for sale amounted to
$4,021,000 and $2,862,000, respectively.&#160; </font></p> <p> <font size="2" face="Times New Roman"><b><u>Note 2. Loans Receivable, Net</u></b></font></p> <p> <font size="2" face="Times New Roman">Loans receivable, net at March 31, 2003 and
December 31, 2002 consisted of the following (in thousands):</font></p>
<table align="center" border="0" style="border-collapse:collapse" cellspacing="0" cellpadding="0" width="90%">
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>March 31, 2003</b></font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>December 31, 2002</b></font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"> <font size="2" face="Times New Roman">Real estate:</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:5em; text-indent:-1em"><font size="2" face="Times New Roman">One- to four-family</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">1,086,785</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">1,104,976</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:5em; text-indent:-1em"> <font size="2" face="Times New Roman">Commercial real estate, multi-family and land</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">146,715</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">139,654</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:5em; text-indent:-1em"> <font size="2" face="Times New Roman">Construction</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">12,333</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">11,079</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"> <font size="2" face="Times New Roman">Consumer</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">81,664</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">80,218</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="2" face="Times New Roman">Commercial</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">78,022</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">77,968</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:9em; text-indent:-1em"> <font size="2" face="Times New Roman">Total loans</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">1,405,519</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">1,413,895</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:5em; text-indent:-1em"> <font size="2" face="Times New Roman">Loans in process</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">(3,981</font></p> </td>
<td width="2%" valign="bottom"> <p> <font size="2" face="Times New Roman">)</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">(3,531</font></p> </td>
<td width="1%" valign="bottom"> <p> <font size="2" face="Times New Roman">)</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:5em; text-indent:-1em"><font size="2" face="Times New Roman">Deferred origination costs, net</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">2,827</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">2,239</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:5em; text-indent:-1em"> <font size="2" face="Times New Roman">Unearned discount</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">(5</font></p> </td>
<td width="2%" valign="bottom"> <p> <font size="2" face="Times New Roman">)</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">(5</font></p> </td>
<td width="1%" valign="bottom"> <p> <font size="2" face="Times New Roman">)</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:5em; text-indent:-1em"> <font size="2" face="Times New Roman">Allowance for loan losses</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">(10,453</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">)</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">(10,074</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">)</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:5em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:9em; text-indent:-1em"><font size="2" face="Times New Roman">Total loans, net</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">1,393,907</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">1,402,524</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"> <font size="2" face="Times New Roman">Less: mortgage loans held for sale</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">57,211</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">66,626</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:9em; text-indent:-1em"><font size="2" face="Times New Roman">Loans receivable, net</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">1,336,696</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">1,335,898</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:9em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr> </table> <p> <font size="2" face="Times New Roman"><b><u>Note 3. Deposits</u></b></font></p> <p> <font size="2" face="Times New Roman">The major
types of deposits at March 31, 2003 and December 31, 2002 were as follows (in thousands):</font></p>
<table align="center" border="0" style="border-collapse:collapse" cellspacing="0" cellpadding="0" width="80%">
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"> <font size="1" face="Times New Roman"><b>Type of Account</b></font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>March 31, 2003</b></font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>December 31, 2002</b></font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="2" face="Times New Roman">Non-interest bearing</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">92,279</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">86,290</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"> <font size="2" face="Times New Roman">NOW</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">247,529</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">260,762</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"> <font size="2" face="Times New Roman">Money market deposit</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">127,280</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">123,960</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="2" face="Times New Roman">Savings</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">245,029</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">234,995</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"> <font size="2" face="Times New Roman">Time deposits</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">439,765</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">478,829</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">1,151,882</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">1,184,836</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%"> <hr size="3" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="3" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%"> <hr size="3" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="3" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr> </table> <p align="center"><font size="2" face="Times New Roman">6</font></p>

<p Style = "page-break-before-always">
<HR  SIZE="3" COLOR="#999999" WIDTH="100%" ALIGN="CENTER"> <p>
<a name="tx317_5"></a> <font size="2" face="Times New Roman"><b>Item 2. Management&#146;s Discussion and Analysis of Financial Condition and Results of Operations</b></font></p> <p> <font size="2" face="Times New Roman"><b>Analysis of Net Interest
Income</b></font></p> <p> <font size="2" face="Times New Roman">Net interest income represents the difference between income on interest-earning assets and expense on interest-bearing liabilities.&#160; Net interest income also depends upon the
relative amounts of interest-earning assets and interest-bearing liabilities and the interest rate earned or paid on them.</font></p> <p> <font size="2" face="Times New Roman">The following table sets forth certain information relating to the
Company for the three months ended March 31, 2003 and 2002.&#160; The yields and costs are derived by dividing income or expense by the average balance of assets or liabilities, respectively, for the periods shown except where noted otherwise.&#160;
Average balances are derived from average daily balances.&#160; The yields and costs include fees which are considered adjustments to yields.</font></p>
<table align="center" border="0" style="border-collapse:collapse" cellspacing="0" cellpadding="0" width="100%">
<tr>
<td width="32%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="64%" colspan="17" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>Three Months Ended March 31,</b></font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td> </tr>
<tr>
<td width="32%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="64%" colspan="17" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td> </tr>
<tr>
<td width="32%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="31%" colspan="8" valign="bottom"> <p align="center"><font size="1" face="Times New Roman"><b>2003</b></font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="30%" colspan="8" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>2002</b></font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="32%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="31%" colspan="8" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="30%" colspan="8" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="32%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>Average<br> Balance</b></font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>Interest</b></font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>Average Yield/<br> Cost</b></font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>Average<br> Balance</b></font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>Interest</b></font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>Average Yield/<br> Cost</b></font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td> </tr>
<tr>
<td width="32%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td> </tr>
<tr>
<td width="32%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="64%" colspan="17" valign="bottom"> <p align="center"><font size="1" face="Times New Roman"><b>(Dollars in thousands)</b></font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="32%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"> <font size="2" face="Times New Roman"><b>Assets</b></font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="32%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="2" face="Times New Roman">Interest-earnings assets:</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="32%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:3em; text-indent:-1em"> <font size="2" face="Times New Roman">Interest-earning deposits and short term investments</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">13,876</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">40</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">1.15</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">%</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">2,618</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">6</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">. 92</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">%</font></p> </td> </tr>
<tr>
<td width="32%" valign="bottom"> <p style="margin-left:3em; text-indent:-1em"><font size="2" face="Times New Roman">Investment securities</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">89,010</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">951</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">4.27</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">80,563</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">1,197</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">5.94</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="32%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:3em; text-indent:-1em"> <font size="2" face="Times New Roman">FHLB stock</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">19,110</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">255</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">5.34</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">23,721</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">257</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">4.33</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="32%" valign="bottom"> <p style="margin-left:3em; text-indent:-1em"><font size="2" face="Times New Roman">Mortgage-backed securities</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">123,880</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">1,436</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">4.64</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">216,822</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">3,098</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">5.72</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="32%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:3em; text-indent:-1em"> <font size="2" face="Times New Roman">Loans receivable, net (1)</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">1,402,070</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">22,746</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">6.49</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">1,345,568</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">23,856</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">7.09</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="32%" valign="bottom"> <p style="margin-left:3em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="32%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:5em; text-indent:-1em"><font size="2" face="Times New Roman">Total interest-earning assets</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">1,647,946</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">25,428</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">6.17</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">1,669,292</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">28,414</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">6.81</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="32%" valign="bottom"> <p style="margin-left:5em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="32%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="2" face="Times New Roman">Non-interest earning assets</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">84,861</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">82,462</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="32%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="32%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:5em; text-indent:-1em"><font size="2" face="Times New Roman">Total assets</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">1,732,807</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">1,751,754</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="32%" valign="bottom"> <p style="margin-left:5em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="32%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="2" face="Times New Roman"><b>Liabilities and Stockholders&#146; Equity</b></font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="32%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="2" face="Times New Roman">Interest-bearing liabilities:</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="32%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:3em; text-indent:-1em"> <font size="2" face="Times New Roman">Transaction deposits</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">630,277</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">1,570</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">1.00</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">509,850</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">2,017</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">1.58</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="32%" valign="bottom"> <p style="margin-left:3em; text-indent:-1em"><font size="2" face="Times New Roman">Time deposits</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">459,912</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">3,663</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">3.19</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">524,683</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">5,368</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">4.09</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="32%" valign="bottom"> <p style="margin-left:3em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="32%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:5em; text-indent:-1em"><font size="2" face="Times New Roman">Total</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">1,090,189</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">5,233</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">1.92</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">1,034,533</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">7,385</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">2.86</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="32%" valign="bottom"> <p style="margin-left:3em; text-indent:-1em"> <font size="2" face="Times New Roman">Borrowed funds</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">400,729</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">4,808</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">4.80</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">485,047</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">5,361</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">4.42</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="32%" valign="bottom"> <p style="margin-left:3em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="32%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:5em; text-indent:-1em"><font size="2" face="Times New Roman">Total interest-bearing liabilities</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">1,490,918</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">10,041</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">2.69</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">1,519,580</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">12,746</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">3.36</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="32%" valign="bottom"> <p style="margin-left:5em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="32%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="2" face="Times New Roman">Non-interest-bearing deposits</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">88,147</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">72,635</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="32%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="2" face="Times New Roman">Non-interest bearing liabilities</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">19,208</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">14,566</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="32%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="32%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:5em; text-indent:-1em"><font size="2" face="Times New Roman">Total liabilities</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">1,598,273</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">1,606,781</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="32%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"> <font size="2" face="Times New Roman">Stockholders&#146;equity</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">134,534</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">144,973</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="32%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="32%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:5em; text-indent:-1em"><font size="2" face="Times New Roman">Total liabilities and stockholders&#146; equity</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">1,732,807</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">1,751,754</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="32%" valign="bottom"> <p style="margin-left:5em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="32%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="2" face="Times New Roman">Net interest income</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">15,387</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">15,668</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="32%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="32%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="2" face="Times New Roman">Net interest rate spread (2)</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">3.48</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">%</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">3.45</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">%</font></p> </td> </tr>
<tr>
<td width="32%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="32%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="2" face="Times New Roman">Net interest margin (3)</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">3.73</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">%</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">3.75</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">%</font></p> </td> </tr>
<tr>
<td width="32%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr> </table> <BR>
<table align="center" border="0" style="border-collapse:collapse" cellspacing="0" cellpadding="0" width="100%">
<tr>
<td width="2%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="4%" valign="top"> <p> <font size="2" face="Times New Roman">(1)</font></p> </td>
<td width="92%" valign="top"> <p> <font size="2" face="Times New Roman">Amount is net of deferred loan fees, undisbursed loan funds, discounts and premiums and estimated loss allowances and includes loans held for sale and non-performing
loans.</font></p> </td> </tr>
<tr>
<td width="2%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="4%" valign="top"> <p> <font size="2" face="Times New Roman">(2)</font></p> </td>
<td width="92%" valign="top"> <p> <font size="2" face="Times New Roman">Net interest rate spread represents the difference between the yield on interest-earning assets and the cost of interest-bearing liabilities.</font></p> </td> </tr>
<tr>
<td width="2%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="4%" valign="top"> <p><font size="2" face="Times New Roman">(3)</font></p> </td>
<td width="92%" valign="top"> <p> <font size="2" face="Times New Roman">Net interest margin represents net interest income divided by average interest-earning assets.</font></p> </td> </tr> </table> <p> <font size="2"
face="Times New Roman"><b>Comparison of Financial Condition at March 31, 2003 and December 31, 2002</b></font></p> <p> <font size="2" face="Times New Roman">Total assets at March 31, 2003 were $1.745 billion, an increase of $1.2 million, compared to
$1.744&#160; billion at December 31, 2002.</font></p> <p> <font size="2" face="Times New Roman">Loans receivable, net increased by $798,000 to a balance of $1.337 billion at March 31, 2003, compared to a balance of $1.336 billion at December 31,
2002. Commercial and commercial real estate loans outstanding increased $7.1 million, while one- to four-family mortgage loans declined, as the Bank actively sold 30-year fixed-rate mortgage loans during the period.&#160; </font></p> <p> <font
size="2" face="Times New Roman">Deposit balances decreased $33.0 million to $1.152 billion at March 31, 2003 from $1.185 billion at December 31, 2002. During the quarter a large commercial deposit relationship transferred $11.6 million to the
securities sold under agreement to repurchase account.&#160; Core deposit categories, a key emphasis for the Company, increased by $6.1 million, net of the $11.6 million mentioned above, as time deposits declined.&#160; </font></p> <p> <font
size="2" face="Times New Roman">Stockholders&#146; equity at March 31, 2003 increased to $135.4 million, compared to $135.3 million at December 31, 2002. The Company repurchased 310,800 shares of common stock during the three months ended March 31,
2003 at a total cost of $6.8 million.&#160; Under the 10% repurchase program authorized by the Board of Directors in August 2002, 639,035 shares remain to be purchased as of March 31, 2003.&#160; The cost of the share repurchases was partly offset
by the proceeds from stock option exercises and the related tax benefit.</font></p> <p align="center"> <font size="2" face="Times New Roman">7</font></p>

<p Style = "page-break-before-always">
<HR  SIZE="3" COLOR="#999999" WIDTH="100%" ALIGN="CENTER"> <p> <font size="2" face="Times New Roman"><b>Comparison of Operating Results for the Three Months Ended March 31, 2003 and March 31, 2002</b></font></p> <p><font size="2" face="Times New Roman">General</font></p> <p>
<font size="2" face="Times New Roman">Net income increased to $5.2 million for the three months ended March 31, 2003, as compared to net income of $5.0 million for the three months ended March 31, 2002.&#160; Diluted earnings per share increased to
$.40 for the three months ended March 31, 2003, as compared to $.36, for the same prior year period.&#160; Earnings per share was favorably affected by the Company&#146;s repurchase program, which reduced the number of shares outstanding.</font></p>
<p> <font size="2" face="Times New Roman">Interest Income</font></p> <p> <font size="2" face="Times New Roman">Interest income for the three months ended March 31, 2003 was $25.4 million, compared to $28.4 million for the three&#160; months ended
March 31, 2002.&#160; The decrease in interest income was due to a decline in the yield on interest-earning assets to 6.17%, for the three months ended March 31, 2003, as compared to&#160; 6.81%&#160; for the same prior year period.&#160; Despite
the decline, which was reflective of the general interest rate environment, the asset yield continued to benefit from the Bank&#146;s loan growth over the past year, which was partly funded by reductions in the lower-yielding investment and
mortgage-backed securities available for sale portfolios.&#160; For the three months ended March 31, 2003 loans receivable represented 85.1% of average interest-earning assets as compared to 80.6% for the same prior year period.&#160; The asset
yield for the three months ended March 31, 2003 benefited from $407,000 of income relating to an equity investment.&#160; The comparable benefit for the prior year period was $600,000. </font></p> <p> <font size="2" face="Times New Roman">Interest
Expense</font></p> <p> <font size="2" face="Times New Roman">Interest expense for the three months ended March 31, 2003 was $10.0&#160; million compared to $12.7 million for the three months ended March 31, 2002.&#160; The decrease in interest
expense was primarily the result of a decrease in the cost of interest-bearing liabilities to 2.69% for the three months ended March 31, 2003, as compared to&#160; 3.36% in the same prior year period. Funding costs decreased due to the lower
interest rate environment and also due to the Company&#146;s focus on lower-costing core deposit growth. Core deposits (including non-interest-bearing deposits) represented 61.0% of average deposits for the three months ended March 31, 2003, as
compared to 52.6% for the same prior year period.&#160; </font></p> <p><font size="2" face="Times New Roman">Provision for Loan Losses</font></p> <p> <font size="2" face="Times New Roman">For the three months ended March 31, 2003, the Company&#146;s
provision for loan losses was $375,000 as compared to $500,000 for the same prior year period.&#160; The prior period provision was increased to reflect the charge-off of a large nonperforming commercial loan which was part of a shared national
credit.</font></p> <p> <font size="2" face="Times New Roman">Other Income</font></p> <p> <font size="2" face="Times New Roman">Other income was $3.7 million for the three months ended March 31, 2003, compared to $2.4 million for the same prior year
period.&#160; For the three months ended March 31, 2003, the Company recorded a gain of $2.5 million on the sale of loans and securities, as compared to a gain of $394,000 in the same prior year period.&#160; For the three months ended March 31,
2003 the gain on sale of loans and securities includes a gain of $323,000 on the sale of equity securities.&#160; </font></p> <p> <font size="2" face="Times New Roman">Loan servicing income decreased by $1.2 million for the three months ended March
31, 2003, as compared to the same prior year period due to actual and anticipated prepayments of the loans underlying the servicing portfolio.&#160; Results for the three months ended March 31, 2003 include the recognition of an impairment charge on
the loan servicing asset for $1.0 million. There was no servicing impairment in the same prior period.</font></p> <p> <font size="2" face="Times New Roman">Fees and service charges increased by $387,000, or 26.9%, for the three months ended March
31, 2003, as compared to the same prior year period due to the growth in commercial account services, retail core account balances and trust fees.</font></p> <p> <font size="2" face="Times New Roman">Operating Expenses</font></p> <p> <font size="2"
face="Times New Roman">Operating expenses were $10.6 million for the three months ended March 31, 2003, as compared to $9.9&#160; million in the same prior year period.&#160; The increase was principally due to the costs associated with the opening
and operation of the Bank&#146;s&#160; seventeenth branch office in May 2002, as well as higher loan-related expenses.&#160; Additionally, ESOP expense increased by $113,000 due to the higher average market price for the Company&#146;s shares during
the first quarter of 2003, as compared to the same prior year period.</font></p> <p align="center"><font size="2" face="Times New Roman">8</font></p>

<p Style = "page-break-before-always">
<HR  SIZE="3" COLOR="#999999" WIDTH="100%" ALIGN="CENTER"> <p> <font size="2" face="Times New Roman">Provision for Income Taxes</font></p> <p> <font size="2" face="Times New Roman">Income tax expense was $2.8 million for the three months ended March 31, 2003, compared to $2.7
million for the same prior year period.&#160; The effective tax rate increased slightly to&#160; 35.0% for the three months ended March 31, 2003 as compared to 34.6% for the same prior year period. </font></p> <p> <font size="2"
face="Times New Roman"><b>Liquidity and Capital Resources</b></font></p> <p> <font size="2" face="Times New Roman">The Company&#146;s primary sources of funds are deposits, principal and interest payments on loans and mortgage-backed securities,
proceeds from the sale of loans, Federal Home Loan Bank (&#147;FHLB&#148;) and other borrowings and, to a lesser extent, investment maturities.&#160; While scheduled amortization of loans is a predictable source of funds, deposit flows and mortgage
prepayments are greatly influenced by general interest rates, economic conditions and competition.&#160; The Company has other sources of liquidity if a need for additional funds arises, including an overnight line of credit and advances from the
FHLB.</font></p> <p> <font size="2" face="Times New Roman">At March 31, 2003, the Company had outstanding overnight borrowings from the FHLB of $10.5 million, an increase from no outstanding overnight borrowings at December 31, 2002.&#160; The
Company utilizes the overnight line from time to time to fund short-term liquidity needs.&#160; The Company also had other borrowings of $426.9 million at March 31, 2003, an increase from $398.6 million at December 31, 2002. These borrowings were
used to fund a wholesale leverage strategy designed to improve returns on invested capital.</font></p> <p> <font size="2" face="Times New Roman">The Company&#146;s cash needs for the three months ended March 31, 2003, were primarily provided by
principal payments on loans and mortgage-backed securities, increased total borrowings and proceeds from the sale of mortgage loans held for sale. The cash was principally utilized for loan originations, the purchase of mortgage-backed securities
and the purchase of treasury stock.&#160; For the three months ended March 31, 2002, the cash needs of the Company were primarily satisfied by principal payments on loans and mortgage-backed securities, maturities of investment securities and
proceeds from the sale of mortgage loans held for sale.&#160; The cash provided was principally used for the origination of loans, a reduction in total borrowings and the purchase of treasury stock. </font></p> <p><font size="2"
face="Times New Roman">At March 31, 2003, the Bank exceeded all of its regulatory capital requirements with tangible capital of $117.1 million, or 6.70%, of total adjusted assets, which is above the required level of $26.2 million or 1.5%; core
capital of $117.1 million or 6.70% of total adjusted assets, which is above the required level of $52.4 million, or 3.0%; and risk-based&#160; capital of $127.4 million, or 11.79% of risk-weighted assets, which is above the required level of $86.4
million or 8.0%.&#160; The Bank is considered a &#147;well-capitalized&#148; institution under the Office of Thrift Supervision&#146;s prompt corrective action regulations.</font></p> <p align="center"> <font size="2"
face="Times New Roman">9</font></p>

<p Style = "page-break-before-always">
<HR  SIZE="3" COLOR="#999999" WIDTH="100%" ALIGN="CENTER"> <p> <font size="2" face="Times New Roman"><b>Non-Performing Assets</b></font></p> <p> <font size="2" face="Times New Roman">The following table sets forth information regarding the Company&#146;s non-performing assets
consisting of non-accrual loans and Real Estate Owned (REO).&#160; It is the policy of the Company to cease accruing interest on loans 90 days or more past due or in the process of foreclosure.</font></p>
<table align="center" border="0" style="border-collapse:collapse" cellspacing="0" cellpadding="0" width="80%">
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>March 31,<br> 2003</b></font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom" nowrap> <p align="center"> <font size="1" face="Times New Roman"><b>December 31,<br> 2002</b></font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="19%" colspan="5" valign="bottom"> <p align="center"><font size="1" face="Times New Roman"><b>(dollars in thousands)</b></font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"> <font size="2" face="Times New Roman">Non-accrual loans:</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:5em; text-indent:-1em"> <font size="2" face="Times New Roman">Real estate:</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:7em; text-indent:-1em"> <font size="2" face="Times New Roman">One-to four-family</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">3,175</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">2,222</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:7em; text-indent:-1em"><font size="2" face="Times New Roman">Commercial real estate, multi-family and land</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">73</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">74</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:5em; text-indent:-1em"> <font size="2" face="Times New Roman">Consumer</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">146</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">95</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:5em; text-indent:-1em"> <font size="2" face="Times New Roman">Commercial</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">291</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">297</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:7em; text-indent:-1em"><font size="2" face="Times New Roman">Total</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">3,685</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">2,688</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"> <font size="2" face="Times New Roman">REO, net</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">&#151;&nbsp;&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">141</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:7em; text-indent:-1em"> <font size="2" face="Times New Roman">Total non-performing assets</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">3,685</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">2,829</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%"> <hr size="3" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="3" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%"> <hr size="3" width="100%" noshade color=black> </td>
<td width="8%"> <hr size="3" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="2" face="Times New Roman">Allowance for loan losses as a percent of total loans receivable</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">.74</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">%</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">.71</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">%</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"> <font size="2" face="Times New Roman">Allowance for loan losses as percent of total non-performing loans</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">283.66</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">374.78</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"> <font size="2" face="Times New Roman">Non-performing loans as a percent of total loans receivable</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">.26</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">.19</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="76%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="2" face="Times New Roman">Non-performing assets as a percent of total assets</font></p> </td>
<td width="2%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">.21</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">.16</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr> </table> <p> <font size="2" face="Times New Roman"><b>Private Securities Litigation Reform Act Safe Harbor Statement</b></font></p> <p> <font
size="2" face="Times New Roman">In addition to historical information, this quarterly report contains certain forward-looking statements which are based on certain assumptions and describe future plans, strategies and expectations of the Company.
These forward-looking statements are generally identified by use of the words &#147;believe,&#148; &#147;expect,&#148; &#147;intend,&#148; &#147;anticipate,&#148; &#147;estimate,&#148; &#147;project,&#148; or similar expressions.&#160; The
Company&#146;s ability to predict results or the actual effect of future plans or strategies is inherently uncertain.&#160; Factors which could have a material adverse effect on the operations of the Company and the subsidiaries include, but are not
limited to, changes in interest rates, general economic conditions, legislative/regulatory changes, monetary and fiscal policies of the U.S. Government, including policies of the U.S. Treasury and the Federal Reserve Board, the quality or
composition of the loan or investment portfolios, demand for loan products, deposit flows, competition, demand for financial services in the Company&#146;s market area and accounting principles and guidelines.&#160; These risks and uncertainties
should be considered in evaluating forward-looking statements and undue reliance should not be placed on statements.&#160; The Company does not undertake- and specifically disclaims any obligation &#150; to publicly release the result of any
revisions which may be made to any forward-looking statements to reflect events or circumstances after the date of such statements or to reflect the occurrence of anticipated or unanticipated events.&#160; Further description of the risks and
uncertainties to the business are included in Item 1, BUSINESS of the Company&#146;s 2002 Form 10-K.</font></p> <p>
<a name="tx317_6"></a><font size="2" face="Times New Roman"><b>Item 3. Quantitative and Qualitative Disclosure about Market Risk</b></font></p> <p> <font size="2" face="Times New Roman">The Company&#146;s interest rate sensitivity is monitored by
management through the use of an interest rate risk (IRR) model. The following table sets forth the amounts of interest-earning assets and interest-bearing liabilities outstanding at March 31, 2003, which were anticipated by the Company, based upon
certain assumptions, to reprice or mature in each of the future time periods shown.&#160; At March 31, 2003 the Company&#146;s one year gap was positive 8.16% as compared to positive 10.05% at December 31, 2002.</font></p> <p align="center"> <font
size="2" face="Times New Roman">10</font></p>

<p Style = "page-break-before-always">
<HR  SIZE="3" COLOR="#999999" WIDTH="100%" ALIGN="CENTER">
<table align="center" border="0" style="border-collapse:collapse" cellspacing="0" cellpadding="0" width="100%">
<tr>
<td width="38%" valign="bottom"> <p> <font size="1" face="Times New Roman"><b>At March 31, 2003<br> (dollars in thousands)</b></font></p> </td>
<td width="1%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>3 Months<br> or Less</b></font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>More than<br> 3 Months to<br> 1 Year</b></font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>More than<br> 1 Year to<br> 3 Years</b></font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>More than<br> 3 Years to<br> 5 Years</b></font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="8%" colspan="2" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>More than<br> 5 Years</b></font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="8%" colspan="2" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>Total</b></font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td> </tr>
<tr>
<td width="38%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="9%" colspan="2" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="8%" colspan="2" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="8%" colspan="2" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td> </tr>
<tr>
<td width="38%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="2" face="Times New Roman">Interest-earning assets: <sup>(1)</sup></font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="38%" valign="bottom"> <p style="margin-left:3em; text-indent:-1em"><font size="2" face="Times New Roman">Interest-earning deposits and short- term investments</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">15,637</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="7%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">&#151;&nbsp;&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="7%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">&#151;&nbsp;&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="7%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">&#151;&nbsp;&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="7%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">&#151;&nbsp;&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="7%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">15,637</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="38%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:3em; text-indent:-1em"> <font size="2" face="Times New Roman">Investment securities</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">75,300</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">1,200</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">&#151;&nbsp;&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">&#151;&nbsp;&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">10,394</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">86,894</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="38%" valign="bottom"> <p style="margin-left:3em; text-indent:-1em"><font size="2" face="Times New Roman">FHLB stock</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">&#151;&nbsp;&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">&#151;&nbsp;&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">&#151;&nbsp;&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">&#151;&nbsp;&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">19,850</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">19,850</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="38%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:3em; text-indent:-1em"> <font size="2" face="Times New Roman">Mortgage-backed securities</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">21,378</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">48,059</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">47,998</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">15,279</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">8,289</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">141,003</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="38%" valign="bottom"> <p style="margin-left:3em; text-indent:-1em"><font size="2" face="Times New Roman">Loans receivable <sup>(2)</sup></font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">246,224</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">256,682</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">435,124</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">275,378</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">188,130</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">1,401,538</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="38%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="7%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="7%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="7%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="7%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="7%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="38%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:5em; text-indent:-1em"><font size="2" face="Times New Roman">Total interest-earning assets</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">358,539</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">305,941</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">483,122</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">290,657</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">226,663</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">1,664,922</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="38%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="7%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="7%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="7%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="7%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="7%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="38%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="2" face="Times New Roman">Interest-bearing liabilities:</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="38%" valign="bottom"> <p style="margin-left:3em; text-indent:-1em"> <font size="2" face="Times New Roman">Money market deposit accounts</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">6,566</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">17,734</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">35,568</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">67,412</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">&#151;&nbsp;&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">127,280</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="38%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:3em; text-indent:-1em"><font size="2" face="Times New Roman">Savings accounts</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">12,640</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">34,141</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">68,473</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">129,775</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">&#151;&nbsp;&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">245,029</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="38%" valign="bottom"> <p style="margin-left:3em; text-indent:-1em"> <font size="2" face="Times New Roman">NOW accounts</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">12,769</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">34,489</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">69,172</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">131,099</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">&#151;&nbsp;&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">247,529</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="38%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:3em; text-indent:-1em"><font size="2" face="Times New Roman">Time deposits</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">107,314</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">167,598</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">117,627</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">31,665</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">15,561</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">439,765</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="38%" valign="bottom"> <p style="margin-left:3em; text-indent:-1em"> <font size="2" face="Times New Roman">FHLB advances</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">14,500</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">68,000</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">90,000</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">77,000</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">20,000</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">269,500</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="38%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:3em; text-indent:-1em"><font size="2" face="Times New Roman">Securities sold under agreements to repurchase</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">52,870</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">&#151;&nbsp;&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">55,000</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">25,000</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">35,000</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">167,870</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="38%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="7%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="7%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="7%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="7%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="7%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="38%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:5em; text-indent:-1em"><font size="2" face="Times New Roman">Total interest-bearing liabilities</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">206,659</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">321,962</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">435,840</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">461,951</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">70,561</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">1,496,973</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="38%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="7%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="7%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="7%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="7%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="7%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="38%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="2" face="Times New Roman">Interest sensitivity gap <sup>(3)</sup></font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">151,880</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">(16,021</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">)</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">47,282</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">(171,294</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">)</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">156,102</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">167,949</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="38%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="7%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="7%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="7%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="7%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="7%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="38%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="2" face="Times New Roman">Cumulative interest sensitivity gap</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">151,880</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">135,859</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">183,141</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">11,847</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">167,949</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">167,949</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="38%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="7%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="7%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="7%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="7%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="7%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="38%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="2" face="Times New Roman">Cumulative interest sensitivity gap as a percent of total interest- earning assets</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="8%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">9.12</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">%</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">8.16</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">%</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">11.00</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">%</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">0.71</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">%</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">10.09</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">%</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">10.09</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">%</font></p> </td> </tr>
<tr>
<td width="38%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="8%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="7%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="7%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="7%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="7%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="7%" valign="bottom"> <hr size="3" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr> </table> <BR>
<table align="center" border="0" style="border-collapse:collapse" cellspacing="0" cellpadding="0" width="100%">
<tr>
<td width="3%" valign="top"> <p> <font size="2" face="Times New Roman">(1)</font></p> </td>
<td width="96%" valign="top"> <p> <font size="2" face="Times New Roman">Interest-earning assets are included in the period in which the balances are expected to be redeployed and/or repriced as a result of anticipated prepayments, scheduled rate
adjustments, and contractual maturities.</font></p> </td> </tr>
<tr>
<td width="3%" valign="top"> <p> <font size="2" face="Times New Roman">(2)</font></p> </td>
<td width="96%" valign="top"> <p> <font size="2" face="Times New Roman">For purposes of the gap analysis, loans receivable includes loans held for sale and non-performing loans gross of the allowance for loan losses, unamortized discounts and
deferred loan fees.</font></p> </td> </tr>
<tr>
<td width="3%" valign="top"> <p> <font size="2" face="Times New Roman">(3)</font></p> </td>
<td width="96%" valign="top"> <p> <font size="2" face="Times New Roman">Interest sensitivity gap represents the difference between interest-earning assets and interest-bearing liabilities.</font></p> </td> </tr> </table> <p> <font size="2"
face="Times New Roman">Additionally, the table below sets forth the Company&#146;s exposure to interest rate risk as measured by the change in net portfolio value (&#147;NPV&#148;) and net interest income under varying rate shocks as of March 31,
2003 and December 31, 2002.&#160; All methods used to measure interest rate sensitivity involve the use of assumptions, which may tend to oversimplify the manner in which actual yields and costs respond to changes in market interest rates.&#160; The
Company&#146;s interest rate sensitivity should be reviewed in conjunction with the financial statements and notes thereto contained in the Company&#146;s Annual Report for the year ended December 31, 2002.</font></p>
<table align="center" border="0" style="border-collapse:collapse" cellspacing="0" cellpadding="0" width="100%">
<tr>
<td width="17%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="39%" colspan="14" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>March 31, 2003</b></font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="39%" colspan="14" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>December 31, 2002</b></font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="17%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="39%" colspan="14" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="39%" colspan="14" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="17%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="14%" colspan="5" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>Net Portfolio Value</b></font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="7%" colspan="2" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="15%" colspan="5" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>Net Interest Income</b></font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="14%" colspan="5" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>Net Portfolio Value</b></font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="7%" colspan="2" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="15%" colspan="5" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>Net Interest Income</b></font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="17%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="14%" colspan="5" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="7%" colspan="2" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="15%" colspan="5" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="14%" colspan="5" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="7%" colspan="2" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="15%" colspan="5" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="17%" valign="bottom"> <p><font size="1" face="Times New Roman"><b>Change in Interest Rates in Basis Points (Rate Shock)</b></font></p> </td>
<td width="1%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="7%" colspan="2" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>Amount </b></font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="6%" colspan="2" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>% Change</b></font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="7%" colspan="2" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>NPV<br> Ratio</b></font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="7%" colspan="2" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>Amount </b></font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="7%" colspan="2" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>% Change</b></font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="7%" colspan="2" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>Amount </b></font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="6%" colspan="2" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>% Change</b></font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="7%" colspan="2" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>NPV<br> Ratio</b></font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="7%" colspan="2" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>Amount </b></font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="7%" colspan="2" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>% Change</b></font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="17%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="7%" colspan="2" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="6%" colspan="2" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="7%" colspan="2" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="7%" colspan="2" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="7%" colspan="2" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="7%" colspan="2" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="6%" colspan="2" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="2%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="7%" colspan="2" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="7%" colspan="2" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="7%" colspan="2" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="17%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Times New Roman"><b>(dollars in thousands)</b></font></p> </td>
<td width="1%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="5%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="5%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="bottom"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="17%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="2" face="Times New Roman">200</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="6%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">162,964</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="5%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">(6.7</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">)%</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">9.5</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">%</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="6%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">60,577</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">1.7</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">%</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="6%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">151,546</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="5%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">(7.1</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">)%</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">8.9</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">%</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">$</font></p> </td>
<td width="6%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">60,492</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">2.1</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p> <font size="2" face="Times New Roman">%</font></p> </td> </tr>
<tr>
<td width="17%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="2" face="Times New Roman">100</font></p> </td>
<td width="1%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">175,052</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="5%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">0.2</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">10.0</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">60,441</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">1.5</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">163,725</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="5%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">0.4</font></p> </td>
<td width="2%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">9.4</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">60,234</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">1.7</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="17%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="2" face="Times New Roman">Static</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">174,758</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="5%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">&#151;&nbsp;&nbsp;</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">9.8</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">59,553</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">&#151;&nbsp;&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">163,127</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="5%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">&#151;&nbsp;&nbsp;</font></p> </td>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">9.2</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">59,230</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">&#151;&nbsp;&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="17%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="2" face="Times New Roman">(100)</font></p> </td>
<td width="1%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">161,759</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="5%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">(7.4</font></p> </td>
<td width="2%" valign="bottom"> <p> <font size="2" face="Times New Roman">)</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">9.0</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">56,769</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">(4.7</font></p> </td>
<td width="1%" valign="bottom"> <p> <font size="2" face="Times New Roman">)</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">150,429</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="5%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">(7.8</font></p> </td>
<td width="2%" valign="bottom"> <p> <font size="2" face="Times New Roman">)</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">8.4</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">56,527</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">(4.6</font></p> </td>
<td width="1%" valign="bottom"> <p> <font size="2" face="Times New Roman">)</font></p> </td> </tr> </table> <p>
<a name="tx317_7"></a><font size="2" face="Times New Roman"><b>Item 4. Controls and Procedures</b></font></p> <p> <font size="2" face="Times New Roman"><u>Evaluation of disclosure controls and procedures</u>.&#160; The Company maintains controls and
procedures designed to ensure that information required to be disclosed in the reports that the Company files or submits under the Securities Exchange Act of 1934 is recorded, processed, summarized and reported within the time periods specified in
the rules and forms of the Securities and Exchange Commission.&#160; Based upon their evaluation of those controls and procedures performed within 90 days of the filing date of this report, the chief executive officer and the principal financial
officer of the Company concluded that the Company&#146;s disclosure controls and procedures were adequate.</font></p> <p> <font size="2" face="Times New Roman"><u>Changes in internal controls.</u>&#160; The Company made no significant changes in its
internal controls or in other factors that could significantly affect these controls subsequent to the date of the evaluation of those controls by the chief executive officer and principal financial officer.</font></p> <p align="center"> <font
size="2" face="Times New Roman">11</font></p>

<p Style = "page-break-before-always">
<HR  SIZE="3" COLOR="#999999" WIDTH="100%" ALIGN="CENTER"> <p>
<a name="tx317_8"></a> <font size="2" face="Times New Roman">PART II. OTHER INFORMATION</font></p>
<table align="center" border="0" style="border-collapse:collapse" cellspacing="0" cellpadding="0" width="100%">
<tr>
<td width="8%" valign="top"> <p>
<a name="tx317_9"></a><font size="2" face="Times New Roman">Item 1.</font></p> </td>
<td width="91%" colspan="2" valign="top"> <p> <font size="2" face="Times New Roman"><u>Legal Proceedings</u></font></p> </td> </tr>
<tr>
<td width="8%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="91%" colspan="2" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="8%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="85%" valign="top"> <p> <font size="2" face="Times New Roman">The Company is not engaged in any legal proceedings of a material nature at the present time.&#160; From time to time, the Company is a party to routine legal proceedings within
the normal course of business.&#160; Such routine legal proceedings in the aggregate are believed by management to be immaterial to the Company&#146;s financial condition or results of operations.</font></p> </td> </tr>
<tr>
<td width="8%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="85%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="8%" valign="top"> <p>
<a name="tx317_10"></a><font size="2" face="Times New Roman">Item 2.</font></p> </td>
<td width="91%" colspan="2" valign="top"> <p> <font size="2" face="Times New Roman"><u>Changes in Securities</u></font></p> </td> </tr>
<tr>
<td width="8%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="91%" colspan="2" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="8%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="85%" valign="top"> <p> <font size="2" face="Times New Roman">Not Applicable</font></p> </td> </tr>
<tr>
<td width="8%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="85%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="8%" valign="top"> <p>
<a name="tx317_11"></a><font size="2" face="Times New Roman">Item 3.</font></p> </td>
<td width="91%" colspan="2" valign="top"> <p> <font size="2" face="Times New Roman"><u>Defaults Upon Senior Securities</u></font></p> </td> </tr>
<tr>
<td width="8%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="91%" colspan="2" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="8%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="85%" valign="top"> <p> <font size="2" face="Times New Roman">Not Applicable</font></p> </td> </tr>
<tr>
<td width="8%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="85%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="8%" valign="top"> <p>
<a name="tx317_12"></a><font size="2" face="Times New Roman">Item 4.</font></p> </td>
<td width="91%" colspan="2" valign="top"> <p> <font size="2" face="Times New Roman"><u>Submission of Matters to a Vote of Security Holders</u></font></p> </td> </tr>
<tr>
<td width="8%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="91%" colspan="2" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="8%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="85%" valign="top"> <p> <font size="2" face="Times New Roman">The annual meeting of stockholders was held on April 24, 2003.&#160; The following directors were elected for terms of three years:&#160; John W. Chadwick, Carl Feltz, Jr. and
Diane F. Rhine.&#160; The following proposals were voted on by the stockholders:</font></p> </td> </tr> </table> <BR>
<table align="center" border="0" style="border-collapse:collapse" cellspacing="0" cellpadding="0" width="80%">
<tr>
<td width="43%" colspan="2" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"> <font size="1" face="Times New Roman"><b>Proposal</b></font></p> </td>
<td width="1%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="13%" colspan="2" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>For</b></font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="11%" colspan="2" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>Against</b></font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="12%" colspan="2" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>Withheld/<br> Abstain</b></font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="12%" colspan="2" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>Broker<br> Non-Votes</b></font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td> </tr>
<tr>
<td width="43%" colspan="2" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="13%" colspan="2" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="11%" colspan="2" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="12%" colspan="2" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="12%" colspan="2" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="1%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td> </tr>
<tr>
<td width="2%" valign="top" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"> <font size="2" face="Times New Roman">1)</font></p> </td>
<td width="40%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"> <font size="2" face="Times New Roman">Election of Directors</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="13%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="10%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="11%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="11%" valign="bottom" bgcolor="#cceeff"> <p align=right>&nbsp;</p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="40%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="2" face="Times New Roman">John W. Chadwick</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="13%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">10,543,644</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="10%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">&#151;&nbsp;&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="11%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">451,542</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="11%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">&#151;&nbsp;&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="40%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"> <font size="2" face="Times New Roman">Carl Feltz, Jr.</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="13%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">10,540,160</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="10%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">&#151;&nbsp;&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="11%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">455,022</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="11%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">&#151;&nbsp;&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="2%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="40%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="2" face="Times New Roman">Diane F. Rhine</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="13%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">10,541,597</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="10%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">&#151;&nbsp;&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="11%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">453,585</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="11%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">&#151;&nbsp;&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="2%" valign="top"> <p style="margin-left:1em; text-indent:-1em"> <font size="2" face="Times New Roman">2)</font></p> </td>
<td width="40%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"> <font size="2" face="Times New Roman">Amendment of the OceanFirst Financial Corp. 2000 Stock Option Plan</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="13%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">6,814,253</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="10%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">2,570,788</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="11%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">39,587</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="11%" valign="bottom"> <p align=right> <font size="2" face="Times New Roman">1,570,554</font></p> </td>
<td width="1%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="2%" valign="top" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"><font size="2" face="Times New Roman">3)</font></p> </td>
<td width="40%" valign="bottom" bgcolor="#cceeff"> <p style="margin-left:1em; text-indent:-1em"> <font size="2" face="Times New Roman">Ratification of the appointment of KPMG LLP as independent auditors of the Company for the fiscal year ending
December 31, 2003.</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="13%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">10,991,371</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="10%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">71,891</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="11%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">11,920</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="11%" valign="bottom" bgcolor="#cceeff"> <p align=right> <font size="2" face="Times New Roman">&#151;&nbsp;&nbsp;</font></p> </td>
<td width="1%" valign="bottom" bgcolor="#cceeff"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr> </table> <BR>
<table align="center" border="0" style="border-collapse:collapse" cellspacing="0" cellpadding="0" width="100%">
<tr>
<td width="8%" valign="top"> <p>
<a name="tx317_13"></a><font size="2" face="Times New Roman">Item 5.</font></p> </td>
<td width="91%" colspan="4" valign="top"> <p> <font size="2" face="Times New Roman"><u>Other Information</u></font></p> </td> </tr>
<tr>
<td width="8%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="91%" colspan="4" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="8%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="85%" colspan="3" valign="top"> <p> <font size="2" face="Times New Roman">Not Applicable</font></p> </td> </tr>
<tr>
<td width="8%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="85%" colspan="3" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="8%" valign="top"> <p>
<a name="tx317_14"></a><font size="2" face="Times New Roman">Item 6.</font></p> </td>
<td width="91%" colspan="4" valign="top"> <p> <font size="2" face="Times New Roman"><u>Exhibits and Reports on Form 8-K</u></font></p> </td> </tr>
<tr>
<td width="8%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="91%" colspan="4" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="8%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p align=right>&nbsp;</p> </td>
<td width="3%" valign="top"> <p> <font size="2" face="Times New Roman">a)</font></p> </td>
<td width="82%" colspan="2" valign="top"> <p> <font size="2" face="Times New Roman">Exhibits:</font></p> </td> </tr>
<tr>
<td width="8%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p align=right>&nbsp;</p> </td>
<td width="3%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="82%" colspan="2" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="8%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="3%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="5%" valign="top"> <p> <font size="2" face="Times New Roman">3.1</font></p> </td>
<td width="77%" valign="top"> <p> <font size="2" face="Times New Roman">Certificate of Incorporation of OceanFirst Financial Corp.*</font></p> </td> </tr>
<tr>
<td width="8%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="3%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="5%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="77%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="8%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="3%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="5%" valign="top"> <p> <font size="2" face="Times New Roman">3.2</font></p> </td>
<td width="77%" valign="top"> <p> <font size="2" face="Times New Roman">Bylaws of OceanFirst Financial Corp.**</font></p> </td> </tr>
<tr>
<td width="8%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="3%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="5%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="77%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="8%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="3%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="5%" valign="top"> <p><font size="2" face="Times New Roman">4.0</font></p> </td>
<td width="77%" valign="top"> <p> <font size="2" face="Times New Roman">Stock Certificate of OceanFirst Financial Corp.*</font></p> </td> </tr> </table> <p align="center"> <font size="2" face="Times New Roman">12</font></p>

<p Style = "page-break-before-always">
<HR  SIZE="3" COLOR="#999999" WIDTH="100%" ALIGN="CENTER">
<table align="center" border="0" style="border-collapse:collapse" cellspacing="0" cellpadding="0" width="100%">
<tr>
<td width="8%" valign="top"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="3%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="5%" valign="top"> <p> <font size="2" face="Times New Roman">99.1</font></p> </td>
<td width="77%" valign="top"> <p> <font size="2" face="Times New Roman">CEO Certification pursuant to 18 U.S.C. Section 1350 as added by Section 906 of the Sarbanes-Oxley Act of 2002.</font></p> </td> </tr>
<tr>
<td width="8%" valign="top"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="3%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="5%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="77%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="8%" valign="top"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="3%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="5%" valign="top"> <p> <font size="2" face="Times New Roman">99.2</font></p> </td>
<td width="77%" valign="top"> <p> <font size="2" face="Times New Roman">CFO Certification pursuant to 18 U.S.C. Section 1350 as added by Section 906 of the Sarbanes-Oxley Act of 2002.</font></p> </td> </tr>
<tr>
<td width="8%" valign="top"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="3%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="5%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="77%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="8%" valign="top"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="3%" valign="top"> <p><font size="2" face="Times New Roman">b)</font></p> </td>
<td width="5%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="77%" valign="top"> <p> <font size="2" face="Times New Roman">There were no reports on Form 8-K filed during the three months ended March 31, 2003.</font></p> </td> </tr> </table> <BR>
<table align="center" border="0" style="border-collapse:collapse" cellspacing="0" cellpadding="0" width="100%">
<tr>
<td width="2%" valign="top"> <p> <font size="2" face="Times New Roman">*</font></p> </td>
<td width="97%" valign="top"> <p> <font size="2" face="Times New Roman">Incorporated herein by reference into this document from the Exhibits to Form S-1, Registration Statement, effective May 13, 1996, as amended, Registration No.
33-80123.</font></p> </td> </tr>
<tr>
<td width="2%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="97%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="2%" valign="top"> <p> <font size="2" face="Times New Roman">**</font></p> </td>
<td width="97%" valign="top"> <p> <font size="2" face="Times New Roman">Incorporated herein by reference into this document from the Exhibit to Form 10-K, Annual Report, filed on March 25, 2003.</font></p> </td> </tr> </table> <p align="center">
<font size="2" face="Times New Roman">13</font></p>

<p Style = "page-break-before-always">
<HR  SIZE="3" COLOR="#999999" WIDTH="100%" ALIGN="CENTER"> <p align="center">
<a name="tx317_15"></a> <font size="2" face="Times New Roman"><b>SIGNATURES</b></font></p> <p> <font size="2" face="Times New Roman">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to
be signed on its behalf by the undersigned, thereunto duly authorized.</font></p>
<table align="center" border="0" style="border-collapse:collapse" cellspacing="0" cellpadding="0" width="100%">
<tr>
<td width="22%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="29%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="40%" valign="bottom"> <p> <font size="2" face="Times New Roman">O<small>CEAN</small>F<small>IRST</small> F<small>INANCIAL</small> C<small>ORP</small>.</font></p> </td>
<td width="7%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="22%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="29%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="40%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="7%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="22%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="29%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="40%" valign="bottom"> <p><font size="2" face="Times New Roman">Registrant</font></p> </td>
<td width="7%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td> </tr>
<tr>
<td width="22%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="29%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="40%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="7%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td> </tr>
<tr>
<td width="22%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"> <font size="2" face="Times New Roman">DATE:&nbsp;&nbsp;&nbsp;May 13, 2003</font></p> </td>
<td width="29%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="40%" valign="bottom"> <p align="center"> <font size="2" face="Times New Roman">/s/ J<small>OHN</small> R. G<small>ARBARINO</small></font></p> </td>
<td width="7%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td> </tr>
<tr>
<td width="22%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="29%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="40%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="7%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td> </tr>
<tr>
<td width="22%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="29%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="40%" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>John R. Garbarino<br> Chairman of the Board, President and Chief Executive Officer</b></font></p> </td>
<td width="7%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td> </tr>
<tr>
<td width="22%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="29%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="40%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td>
<td width="7%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td> </tr>
<tr>
<td width="22%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="2" face="Times New Roman">DATE:&nbsp;&nbsp;&nbsp;May 13, 2003</font></p> </td>
<td width="29%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="40%" valign="bottom"> <p align="center"> <font size="2" face="Times New Roman">/s/ M<small>ICHAEL</small> F<small>ITZPATRICK</small></font></p> </td>
<td width="7%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td> </tr>
<tr>
<td width="22%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="29%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="40%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="7%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td> </tr>
<tr>
<td width="22%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="29%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="40%" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>Michael Fitzpatrick<br> Executive Vice President and Chief Financial Officer</b></font></p> </td>
<td width="7%" valign="bottom"> <p><font size="1">&nbsp;</font></p> </td> </tr> </table> <p align="center"> <font size="2" face="Times New Roman">14</font></p>

<p Style = "page-break-before-always">
<HR  SIZE="3" COLOR="#999999" WIDTH="100%" ALIGN="CENTER"> <p align="center">
<a name="tx317_16"></a> <font size="2" face="Times New Roman"><b>CERTIFICATION</b></font></p>
<table align="center" border="0" style="border-collapse:collapse" cellspacing="0" cellpadding="0" width="100%">
<tr>
<td width="100%" colspan="5" valign="top"> <p> <font size="2" face="Times New Roman">I, John R. Garbarino, certify, that:</font></p> </td> </tr>
<tr>
<td width="100%" colspan="5" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p> <font size="2" face="Times New Roman">1.</font></p> </td>
<td width="89%" colspan="3" valign="top"> <p> <font size="2" face="Times New Roman">I have reviewed this quarterly report on Form 10-Q of OceanFirst Financial Corp.;</font></p> </td> </tr>
<tr>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="89%" colspan="3" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p><font size="2" face="Times New Roman">2.</font></p> </td>
<td width="89%" colspan="3" valign="top"> <p> <font size="2" face="Times New Roman">Based on my knowledge, this quarterly 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 quarterly report;</font></p> </td> </tr>
<tr>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="89%" colspan="3" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p> <font size="2" face="Times New Roman">3.</font></p> </td>
<td width="89%" colspan="3" valign="top"> <p> <font size="2" face="Times New Roman">Based on my knowledge, the financial statements, and other financial information included in this quarterly 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 quarterly report;</font></p> </td> </tr>
<tr>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="89%" colspan="3" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p> <font size="2" face="Times New Roman">4.</font></p> </td>
<td width="89%" colspan="3" valign="top"> <p> <font size="2" face="Times New Roman">The registrant&#146;s other certifying officers and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act
Rules 13a-14 and 15d-14) for the registrant and we have:</font></p> </td> </tr>
<tr>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="89%" colspan="3" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="4%" colspan="2" valign="top"> <p> <font size="2" face="Times New Roman">a.</font></p> </td>
<td width="85%" valign="top"> <p> <font size="2" face="Times New Roman">designed such disclosure controls and procedures to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by
others within those entities, particularly during the period in which this quarterly report is being prepared;</font></p> </td> </tr>
<tr>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="4%" colspan="2" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="85%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="4%" colspan="2" valign="top"> <p><font size="2" face="Times New Roman">b.</font></p> </td>
<td width="85%" valign="top"> <p> <font size="2" face="Times New Roman">evaluated the effectiveness of the registrant&#146;s disclosure controls and procedures as of a date within 90 days prior to the filing date of this quarterly report (the
&#147;Evaluation Date&#148;); and</font></p> </td> </tr>
<tr>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="4%" colspan="2" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="85%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="4%" colspan="2" valign="top"> <p> <font size="2" face="Times New Roman">c.</font></p> </td>
<td width="85%" valign="top"> <p> <font size="2" face="Times New Roman">presented in this quarterly report our conclusions about the effectiveness of the disclosure controls and procedures based on our evaluation as of the Evaluation
Date;</font></p> </td> </tr>
<tr>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="4%" colspan="2" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="85%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p> <font size="2" face="Times New Roman">5.</font></p> </td>
<td width="89%" colspan="3" valign="top"> <p> <font size="2" face="Times New Roman">The registrant&#146;s other certifying officers and I have disclosed, based on our most recent evaluation, to the registrant&#146;s auditors and the audit committee
of registrant&#146;s board of directors (or persons performing the equivalent function):</font></p> </td> </tr>
<tr>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="89%" colspan="3" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="4%" valign="top"> <p><font size="2" face="Times New Roman">a.</font></p> </td>
<td width="85%" colspan="2" valign="top"> <p> <font size="2" face="Times New Roman">all significant deficiencies in the design or operation of the internal controls which could adversely affect the registrant&#146;s ability to record, process,
summarize and report financial data and have identified for the registrant&#146;s auditors any material weaknesses in internal controls; and</font></p> </td> </tr>
<tr>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="85%" colspan="2" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="4%" valign="top"> <p> <font size="2" face="Times New Roman">b.</font></p> </td>
<td width="85%" colspan="2" valign="top"> <p> <font size="2" face="Times New Roman">any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant&#146;s internal controls;
and</font></p> </td> </tr>
<tr>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="85%" colspan="2" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p> <font size="2" face="Times New Roman">6.</font></p> </td>
<td width="89%" colspan="3" valign="top"> <p> <font size="2" face="Times New Roman">The registrant&#146;s other certifying officers and I have indicated in this quarterly report whether or not there were significant changes in internal controls or
in other factors that could significantly affect the internal controls subsequent to the date of our most recent evaluation, including any corrective actions with regard to significant deficiencies and material weaknesses.</font></p> </td> </tr>
<tr>
<td width=31 style='border:none'></td>
<td width=44></td>
<td width=32></td>
<td width=1></td>
<td width=614></td> </tr> </table> <BR>
<table align="center" border="0" style="border-collapse:collapse" cellspacing="0" cellpadding="0" width="100%">
<tr>
<td align="Left" width="25%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"> <font size="2" face="Times New Roman">Date:&nbsp;&nbsp;&nbsp;May 13, 2003</font></p> </td>
<td width="36%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="30%" valign="bottom"> <p align="center"> <font size="2" face="Times New Roman">/s/J<small>OHN</small> R. G<small>ARBARINO</small></font></p> </td>
<td width="7%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td align="Left" width="25%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="36%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="30%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="7%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td align="Left" width="25%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="36%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="30%" valign="bottom"> <p align="center"> <font size="1" face="Times New Roman"><b>John R. Garbarino<br> Chief Executive Officer<br> (principal executive officer)</b></font></p> </td>
<td width="7%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr> </table> <p align="center"> <font size="2" face="Times New Roman">15</font></p>

<p Style = "page-break-before-always">
<HR  SIZE="3" COLOR="#999999" WIDTH="100%" ALIGN="CENTER"> <p align="center"> <font size="2" face="Times New Roman"><b>CERTIFICATION</b></font></p>
<table align="center" border="0" style="border-collapse:collapse" cellspacing="0" cellpadding="0" width="100%">
<tr>
<td width="100%" colspan="5" valign="top"> <p> <font size="2" face="Times New Roman">I, Michael J. Fitzpatrick, certify, that:</font></p> </td> </tr>
<tr>
<td width="100%" colspan="5" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p> <font size="2" face="Times New Roman">1.</font></p> </td>
<td width="89%" colspan="3" valign="top"> <p> <font size="2" face="Times New Roman">I have reviewed this quarterly report on Form 10-Q of OceanFirst Financial Corp.;</font></p> </td> </tr>
<tr>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="89%" colspan="3" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p><font size="2" face="Times New Roman">2.</font></p> </td>
<td width="89%" colspan="3" valign="top"> <p> <font size="2" face="Times New Roman">Based on my knowledge, this quarterly 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 quarterly report;</font></p> </td> </tr>
<tr>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="89%" colspan="3" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p> <font size="2" face="Times New Roman">3.</font></p> </td>
<td width="89%" colspan="3" valign="top"> <p> <font size="2" face="Times New Roman">Based on my knowledge, the financial statements, and other financial information included in this quarterly 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 quarterly report;</font></p> </td> </tr>
<tr>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="89%" colspan="3" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p> <font size="2" face="Times New Roman">4.</font></p> </td>
<td width="89%" colspan="3" valign="top"> <p> <font size="2" face="Times New Roman">The registrant&#146;s other certifying officers and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act
Rules 13a-14 and 15d-14) for the registrant and we have:</font></p> </td> </tr>
<tr>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="89%" colspan="3" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="4%" valign="top"> <p> <font size="2" face="Times New Roman">a.</font></p> </td>
<td width="81%" valign="top"> <p> <font size="2" face="Times New Roman">designed such disclosure controls and procedures to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by
others within those entities, particularly during the period in which this quarterly report is being prepared;</font></p> </td> </tr>
<tr>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="81%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="4%" valign="top"> <p><font size="2" face="Times New Roman">b.</font></p> </td>
<td width="81%" valign="top"> <p> <font size="2" face="Times New Roman">evaluated the effectiveness of the registrant&#146;s disclosure controls and procedures as of a date within 90 days prior to the filing date of this quarterly report (the
&#147;Evaluation Date&#148;); and</font></p> </td> </tr>
<tr>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="81%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="4%" valign="top"> <p> <font size="2" face="Times New Roman">c.</font></p> </td>
<td width="81%" valign="top"> <p> <font size="2" face="Times New Roman">presented in this quarterly report our conclusions about the effectiveness of the disclosure controls and procedures based on our evaluation as of the Evaluation
Date;</font></p> </td> </tr>
<tr>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="85%" colspan="2" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p> <font size="2" face="Times New Roman">5.</font></p> </td>
<td width="89%" colspan="3" valign="top"> <p> <font size="2" face="Times New Roman">The registrant&#146;s other certifying officers and I have disclosed, based on our most recent evaluation, to the registrant&#146;s auditors and the audit committee
of registrant&#146;s board of directors (or persons performing the equivalent function):</font></p> </td> </tr>
<tr>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="81%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="4%" valign="top"> <p><font size="2" face="Times New Roman">a.</font></p> </td>
<td width="81%" valign="top"> <p> <font size="2" face="Times New Roman">all significant deficiencies in the design or operation of the internal controls which could adversely affect the registrant&#146;s ability to record, process, summarize and
report financial data and have identified for the registrant&#146;s auditors any material weaknesses in internal controls; and</font></p> </td> </tr>
<tr>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="81%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="4%" valign="top"> <p> <font size="2" face="Times New Roman">b.</font></p> </td>
<td width="81%" valign="top"> <p> <font size="2" face="Times New Roman">any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant&#146;s internal controls; and</font></p> </td>
</tr>
<tr>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="81%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="4%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="6%" valign="top"> <p> <font size="2" face="Times New Roman">6.</font></p> </td>
<td width="89%" colspan="3" valign="top"> <p> <font size="2" face="Times New Roman">The registrant&#146;s other certifying officers and I have indicated in this quarterly report whether or not there were significant changes in internal controls or
in other factors that could significantly affect the internal controls subsequent to the date of our most recent evaluation, including any corrective actions with regard to significant deficiencies and material weaknesses.</font></p> </td> </tr>
</table> <BR>
<table align="center" border="0" style="border-collapse:collapse" cellspacing="0" cellpadding="0" width="100%">
<tr>
<td width="37%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="2" face="Times New Roman">Date:&nbsp;&nbsp;&nbsp;May 13, 2003</font></p> </td>
<td width="24%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="30%" valign="bottom"> <p align="center"><font size="2" face="Times New Roman">/s/ M<small>ICHAEL</small> F<small>ITZPATRICK</small></font></p> </td>
<td width="7%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="37%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="24%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="30%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="7%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="37%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="24%" valign="bottom"> <p style="margin-left:1em; text-indent:-1em"><font size="1">&nbsp;</font></p> </td>
<td width="30%" valign="bottom"> <p align="center"><font size="1" face="Times New Roman"><b>Michael Fitzpatrick<br> Chief Financial Officer<br> (principal financial officer)</b></font></p> </td>
<td width="7%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr> </table> <p align="center"> <font size="2" face="Times New Roman">16</font></p>
</BODY></HTML>

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>3
<FILENAME>dex991.htm
<DESCRIPTION>CERTIFICATION PURSUANT TO 18 U.S.C SECTION 1535 - J.R. GARBARINO
<TEXT>
<HTML><HEAD>
<TITLE>CERTIFICATION PURSUANT TO 18 U.S.C SECTION 1535 - J.R. GARBARINO</TITLE>
</HEAD>
<BODY bgcolor="#FFFFFF"> <p align=right><font size="2" face="Times New Roman">Exhibit 99.1</font></p> <p align="center"> <font size="2" face="Times New Roman">CERTIFICATION PURSUANT TO<br> 18 U.S.C. SECTION 1350<br> AS ADDED BY SECTION
906<br> OF THE SARBANES-OXLEY ACT OF 2002</font></p> <p> <font size="2" face="Times New Roman">In connection with the Quarterly Report of OceanFirst Financial Corp. (the &#147;Company&#148;) on Form 10-Q for the period ending March 31, 2003 as filed
with the Securities and Exchange Commission on the date hereof (the &#147;Report&#148;), I, John R. Garbarino, Chief Executive Officer of the Company, certify, pursuant to 18 U.S.C. &#167;1350, as added by &#167;906 of the Sarbanes-Oxley Act of
2002, that:</font></p>
<table align="center" border="0" style="border-collapse:collapse" cellspacing="0" cellpadding="0" width="100%">
<tr>
<td width="2%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="3%" valign="top"> <p> <font size="2" face="Times New Roman">1.</font></p> </td>
<td width="93%" valign="top"> <p> <font size="2" face="Times New Roman">The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and</font></p> </td> </tr>
<tr>
<td width="2%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="3%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="93%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="2%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="3%" valign="top"> <p> <font size="2" face="Times New Roman">2.</font></p> </td>
<td width="93%" valign="top"> <p> <font size="2" face="Times New Roman">To my knowledge the information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company as of and for
the period covered by the Report.</font></p> </td> </tr> </table> <BR>
<table align="center" border="0" style="border-collapse:collapse" cellspacing="0" cellpadding="0" width="100%">
<tr>
<td width="60%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="32%" valign="bottom"> <p align="center"> <font size="2" face="Times New Roman">/s/ J<small>OHN</small> R. G<small>ARBARINO</small></font></p> </td>
<td width="7%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="60%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="32%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
<td width="7%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="60%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="32%" valign="bottom"> <p align="center"><font size="1" face="Times New Roman"><b>John R. Garbarino<br> Chief Executive Officer</b></font></p> </td>
<td width="7%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="60%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="32%" valign="bottom"> <p><font size="2" face="Times New Roman">May 13, 2003</font></p> </td>
<td width="7%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr> </table> <p><font size="2" face="Times New Roman">A signed original of this written statement required by Section 906 has been provided to
OceanFirst Financial Corp. and will be retained by OceanFirst Financial Corp. and furnished to the Securities and Exchange Commission or its staff upon request.</font></p>
</BODY></HTML>

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.2
<SEQUENCE>4
<FILENAME>dex992.htm
<DESCRIPTION>CERTIFICATION PURSUANT TO 18 U.S.C SECTION 1535 - M. FITZPATRICK
<TEXT>
<HTML><HEAD>
<TITLE>CERTIFICATION PURSUANT TO 18 U.S.C SECTION 1535 - M. FITZPATRICK</TITLE>
</HEAD>
<BODY bgcolor="#FFFFFF"> <p align=right><font size="2" face="Times New Roman">Exhibit 99.2</font></p> <p align="center"> <font size="2" face="Times New Roman">CERTIFICATION PURSUANT TO<br> 18 U.S.C. SECTION 1350<br> AS ADDED BY SECTION
906<br> OF THE SARBANES-OXLEY ACT OF 2002</font></p> <p> <font size="2" face="Times New Roman">In connection with the Quarterly Report of OceanFirst Financial Corp. (the &#147;Company&#148;) on Form 10-Q for the period ending March 31, 2003 as filed
with the Securities and Exchange Commission on the date hereof (the &#147;Report&#148;), I, Michael Fitzpatrick, Chief Financial Officer of the Company, certify, pursuant to 18 U.S.C. &#167;1350, as added by &#167;906 of the Sarbanes-Oxley Act of
2002, that:</font></p>
<table align="center" border="0" style="border-collapse:collapse" cellspacing="0" cellpadding="0" width="100%">
<tr>
<td width="2%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="3%" valign="top"> <p> <font size="2" face="Times New Roman">1.</font></p> </td>
<td width="93%" valign="top"> <p> <font size="2" face="Times New Roman">The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and</font></p> </td> </tr>
<tr>
<td width="2%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="3%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="93%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr>
<tr>
<td width="2%" valign="top"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td>
<td width="3%" valign="top"> <p> <font size="2" face="Times New Roman">2.</font></p> </td>
<td width="93%" valign="top"> <p> <font size="2" face="Times New Roman">To my knowledge the information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company as of and for
the period covered by the Report.</font></p> </td> </tr> </table> <BR>
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<td width="32%" valign="bottom"> <p align="center"> <font size="2" face="Times New Roman">/s/ M<small>ICHAEL</small> F<small>ITZPATRICK</small></font></p> </td>
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<td width="32%" valign="bottom"> <hr size="1" width="100%" noshade color=black> </td>
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<td width="32%" valign="bottom"> <p align="center"><font size="1" face="Times New Roman"><b>Michael Fitzpatrick<br> Chief Financial Officer</b></font></p> </td>
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<td width="32%" valign="bottom"> <p><font size="2" face="Times New Roman">May 13, 2003</font></p> </td>
<td width="7%" valign="bottom"> <p><font size="1" face="Times new roman">&nbsp;</font></p> </td> </tr> </table> <p><font size="2" face="Times New Roman">A signed original of this written statement required by Section 906 has been provided to
OceanFirst Financial Corp. and will be retained by OceanFirst Financial Corp. and furnished to the Securities and Exchange Commission or its staff upon request.</font></p>
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