-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 UY9K/DesX4kefxhtPw5MvrRoeFPHV+sN1BYq6KxQGxOTcck5KGA3dbun68TSp4dV
 P7FR2bPQ0wv1QYPAKUx//w==

<SEC-DOCUMENT>0001362310-08-003834.txt : 20080725
<SEC-HEADER>0001362310-08-003834.hdr.sgml : 20080725
<ACCEPTANCE-DATETIME>20080725092137
ACCESSION NUMBER:		0001362310-08-003834
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20080725
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20080725
DATE AS OF CHANGE:		20080725

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FIRST FINANCIAL CORP /IN/
		CENTRAL INDEX KEY:			0000714562
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				351546989
		STATE OF INCORPORATION:			IN
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-16759
		FILM NUMBER:		08969621

	BUSINESS ADDRESS:	
		STREET 1:		ONE FIRST FINANCIAL PLAZA
		CITY:			TERRE HAUTE
		STATE:			IN
		ZIP:			47807
		BUSINESS PHONE:		(812) 238-6000

	MAIL ADDRESS:	
		STREET 1:		ONE FIRST FINANCIAL PLAZA
		CITY:			TERRE HAUTE
		STATE:			IN
		ZIP:			47807

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	TERRE HAUTE FIRST CORP
		DATE OF NAME CHANGE:	19850808
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>c74074e8vk.htm
<DESCRIPTION>FORM 8-K
<TEXT>
<HTML>
<HEAD>
<TITLE>Filed by Bowne Pure Compliance</TITLE>
</HEAD>
<BODY bgcolor="#FFFFFF">
<!-- PAGEBREAK -->
<DIV style="margin-left: 0.25in; width: 7.5in; font-family: 'Times New Roman',Times,serif">
<DIV style="font-size: 10pt">
<DIV style="font-size: 1pt; width: 100%; border-bottom: black 2pt solid">&nbsp;</DIV>
<DIV style="font-size: 1pt; width: 100%; border-bottom: black 1pt solid">&nbsp;</DIV>

<P style="font-size: 14pt" align="center"><B>UNITED STATES<BR>
SECURITIES AND EXCHANGE COMMISSION<BR>
<FONT
style="font-size: 12pt">Washington, D.C. 20549 </FONT></B>

<P style="font-size: 18pt" align="center"><B>FORM 8-K</B>

<P style="font-size: 12pt" align="center"><B>CURRENT REPORT<BR>
Pursuant to Section 13 or 15(d) of the Securities
Exchange Act of 1934</B>

<P style="font-size: 10pt" align="center"><B>Date of Report (Date of earliest event reported): July 25, 2008</B>

<P style="font-size: 24pt" align="center"><B>First Financial Corporation<BR>
</B><FONT style="font-size: 10pt">(Exact
name of registrant as specified in its charter) </FONT>
<TABLE style="font-size: 10pt; text-align: center" cellspacing="0" cellpadding="0" width="100%" border="0">

 <TR>
  <TD width="32%">&nbsp;</TD>
  <TD width="1%">&nbsp;</TD>
  <TD width="33%">&nbsp;</TD>
  <TD width="1%">&nbsp;</TD>
  <TD width="32%">&nbsp;</TD>
 </TR>
 <TR valign="bottom">
  <TD style="border-bottom: #000000 1px solid"><B>Indiana</B></TD>
  <TD>&nbsp;</TD>
  <TD style="border-bottom: #000000 1px solid"><B>000-16759</B></TD>
  <TD>&nbsp;</TD>
  <TD style="border-bottom: #000000 1px solid"><B>35-1546989</B></TD>
 </TR>
 <TR valign="top">
  <TD>(State or other Jurisdiction of Incorporation)</TD>
  <TD>&nbsp;</TD>
  <TD>(Commission File Number)</TD>
  <TD>&nbsp;</TD>
  <TD>(IRS Employer Identification No.)</TD>
 </TR>

</TABLE>
<TABLE style="font-size: 10pt; text-align: center" cellspacing="0" cellpadding="0" width="100%" border="0">

 <TR>
  <TD width="49%">&nbsp;</TD>
  <TD width="1%">&nbsp;</TD>
  <TD width="49%">&nbsp;</TD>
 </TR>
 <TR valign="bottom">
  <TD style="border-bottom: #000000 1px solid"><B>P. O. Box 540 , Terre Haute, Indiana<BR>
</B></TD>
  <TD>&nbsp;</TD>
  <TD style="border-bottom: #000000 1px solid"><B>47808</B></TD>
 </TR>
 <TR valign="top">
  <TD>(Address of Principal Executive Offices)</TD>
  <TD>&nbsp;</TD>
  <TD>(Zip Code)</TD>
 </TR>

</TABLE>


<P style="font-size: 10pt" align="center">Registrant&#8217;s telephone number, including area code: <B>812-238-6264</B>
<TABLE style="font-size: 10pt; text-align: center" cellspacing="0" cellpadding="0" width="30%" border="0">

 <TR>
  <TD width="100%">&nbsp;</TD>
 </TR>
 <TR>
  <TD style="border-bottom: #000000 1px solid" nowrap><B>&nbsp;</B></TD>
 </TR>
 <TR>
  <TD nowrap>(Former name or former address if changed since last report.)</TD>
 </TR>

</TABLE>


<P style="font-size: 10pt" align="left">Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

<P style="font-size: 10pt" align="left"><FONT face="Wingdings">o</FONT> Written communications pursuant to Rule 425
under the Securities Act (17 CFR 230.425)<BR>
<BR>
<FONT face="Wingdings">o</FONT> Soliciting material pursuant to Rule
14a-12 under the Exchange Act (17 CFR 240.14a-12)<BR>
<BR>
<FONT face="Wingdings">o</FONT> Pre-commencement
communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))<BR>
<BR>
<FONT
face="Wingdings">o</FONT> Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR
240.13e-4(c))<BR>


<DIV style="margin-top: 10pt; font-size: 1pt; width: 100%; border-bottom: black 1pt solid">&nbsp;</DIV>
<DIV style="font-size: 1pt; width: 100%; border-bottom: black 2pt solid">&nbsp;</DIV>
</DIV>

<P style="font-size: 10pt" align="center">&nbsp;

<P style="display: none; font-size: 10pt" align="center">1
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="margin-left: 0.25in; width: 7.5in; font-family: 'Times New Roman',Times,serif">

<P style="font-size: 10pt" align="left"><B>Item&nbsp;2.02. Results of Operations and Financial Condition</B>

<P style="font-size: 10pt" align="left"><B>Item&nbsp;9.01. Financial Statements and Exhibits</B>

<P style="font-size: 10pt; text-indent: 4%" align="left">On July&nbsp;24, 2008, the Registrant issued a press release
reporting its financial results for the six months ended June&nbsp;30, 2008. A copy of the press release is being
furnished as an exhibit to this report and is incorporated by reference into this item 12.

<P style="font-size: 10pt; text-indent: 4%" align="left">The foregoing information, including the information contained
in the press release, is being furnished pursuant to this Item&nbsp;12 and shall not be deemed to be
&#8220;filed&#8221; for purposes of section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject
to the liabilities of that Section or Sections&nbsp;11 and 12(a)(2) of the Securities Act of 1933, as amended. In
addition, this information shall not be deemed to be incorporated by reference into any of the Registrant&#8217;s
filings with the Securities and Exchange Commission, except as shall be expressly set forth by specific reference in
any such filing.

<P style="font-size: 10pt; text-indent: 4%" align="left">The exhibit to this report is as follows:

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" cellpadding="0" width="100%" border="0">
<!-- Begin Table Head -->

 <TR valign="bottom">
  <TD width="8%">&nbsp;</TD>
  <TD width="5%">&nbsp;</TD>
  <TD width="87%">&nbsp;</TD>
 </TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
 <TR valign="bottom">
  <TD valign="top">
<DIV style="margin-left: 0px; text-indent: 0px">Exhibit&nbsp;No. </DIV>
</TD>
  <TD>&nbsp;</TD>
  <TD valign="top" align="left">Description</TD>
 </TR>
 <TR style="font-size: 1px">
  <TD style="border-top: #000000 1px solid" valign="top">
<DIV style="margin-left: 0px; text-indent: 0px">&nbsp;</DIV>
</TD>
  <TD>&nbsp;</TD>
  <TD style="border-top: #000000 1px solid" valign="top" align="left">&nbsp;</TD>
 </TR>
 <TR valign="bottom">
  <TD valign="top">
<DIV style="margin-left: 0px; text-indent: 0px"><BR>99.1 </DIV>
</TD>
  <TD>&nbsp;</TD>
  <TD valign="top" align="left"><BR>Press Release, dated July&nbsp;24, 2008 issued by First Financial Corporation</TD>
 </TR>
<!-- End Table Body -->

</TABLE>
</DIV>


<P style="font-size: 10pt" align="center"><B>SIGNATURES</B>

<P style="font-size: 10pt" align="left">Pursuant to the requirements of the Securities Exchange Act of 1934, as
amended, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly
authorized.

<P style="font-size: 10pt; margin-left: 50%" align="left"><B>First Financial Corporation</B>

<P style="font-size: 10pt" align="left">Dated July&nbsp;24, 2008

<P style="font-size: 10pt; margin-left: 50%" align="left"><U>Michael A. Carty</U><BR>Michael A. Carty <BR>
Secretary/Treasurer and Chief Financial
Officer



<P style="font-size: 10pt" align="center">Exhibit&nbsp;Index
<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" cellpadding="0" width="100%" border="0">
<!-- Begin Table Head -->

 <TR valign="bottom">
  <TD width="8%">&nbsp;</TD>
  <TD width="5%">&nbsp;</TD>
  <TD width="87%">&nbsp;</TD>
 </TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
 <TR valign="bottom">
  <TD valign="top">
<DIV style="margin-left: 0px; text-indent: 0px">Exhibit&nbsp;Number </DIV>
</TD>
  <TD>&nbsp;</TD>
  <TD valign="top" align="left">&nbsp;</TD>
 </TR>
 <TR style="font-size: 1px">
  <TD style="border-top: #000000 1px solid" valign="top">
<DIV style="margin-left: 0px; text-indent: 0px">&nbsp;</DIV>
</TD>
  <TD>&nbsp;</TD>
  <TD valign="top" align="left">&nbsp;</TD>
 </TR>
 <TR valign="bottom">
  <TD valign="top">
<DIV style="margin-left: 0px; text-indent: 0px">99.1 </DIV>
</TD>
  <TD>&nbsp;</TD>
  <TD valign="top" align="left">Press Release, July&nbsp;24, 2008 issued by First Financial Corporation</TD>
 </TR>
<!-- End Table Body -->

</TABLE>
</DIV>

<P style="font-size: 10pt" align="center">&nbsp;

<P style="display: none; font-size: 10pt" align="center">4
</DIV>
</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>c74074exv99w1.htm
<DESCRIPTION>EXHIBIT 99.1
<TEXT>
<HTML>
<HEAD>
<TITLE>Filed by Bowne Pure Compliance</TITLE>
</HEAD>
<BODY bgcolor="#FFFFFF">
<!-- PAGEBREAK -->
<DIV style="font-family: 'Times New Roman',Times,serif; margin-left: .25in; width: 7.20in">

<DIV align="right" style="font-size: 10pt; margin-top: 10pt"><B>Exhibit&nbsp;99.1</B>
</DIV>

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head --><TR valign="bottom">
    <TD width="50%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="45%">&nbsp;</TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px"><IMG src="c74074p7407401.jpg" alt="(FIRST LOGO)">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">News Release</TD>
</TR>
<!-- End Table Body --></TABLE>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 10pt"><B>FIRST FINANCIAL<BR>
CORPORATION<BR>
One First Financial Plaza, Terre Haute, Indiana 47807 (812)&nbsp;238-6000</B>

</DIV>
<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head --><TR valign="bottom">
    <TD width="50%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="45%">&nbsp;</TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">For more information contact:</TD>
</TR>
<TR valign="bottom" style="padding-top: 1px">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">July&nbsp;24, 2008
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Michael A. Carty at (812)&nbsp;238-6264</TD>
</TR>
<!-- End Table Body --></TABLE>
</DIV>


<DIV align="center" style="font-size: 10pt; margin-top: 10pt"><B>First Financial Reports Record 2nd Quarter 2008 Earnings</B>
</DIV>


<DIV align="justify" style="font-size: 10pt; margin-top: 10pt">TERRE HAUTE, INDIANA <I>&#151; </I>First Financial Corporation (NASDAQ:THFF) today announced net income for
the three and six months ended June&nbsp;30, 2008 of $7.1&nbsp;million and $14.1&nbsp;million, respectively. These
are 11.4% and 9.8% improvements over the $6.41&nbsp;million and $12.8 reported for the same periods of
2007. Earnings per share for the six months ended June&nbsp;30, 2008 increased 10.3% to $1.07, an
increase of $0.10 per average share outstanding over the same period for the prior year. Earnings
per share for the second quarter of $.55 is also a record result for the Corporation and is a 10.9%
increase over the same period for the prior year. Return on assets and return on equity for 2008
were 1.24% and 9.68% as compared to 1.18% and 9.29% for 2007. The Corporation increased net
interest income for the first six months of 2008 by $1.9&nbsp;million or 5.1% over the same period of
2007.
</DIV>

<DIV align="justify" style="font-size: 10pt; margin-top: 10pt; text-indent: 4%">For the first six months of 2008, non-interest income rose by 3.9% or $614 thousand over the
same period in 2007, while the increase in non-interest expense was 1.5% or $488 thousand. For the
quarter ending June&nbsp;30, 2008, non-interest income improved by 1.5% or $112 thousand over 2007,
while non-interest expense increased 0.8% or $122 thousand.
</DIV>
<P align="center" style="font-size: 10pt; text-indent: 4%">&nbsp;

<P align="center" style="font-size: 10pt"><!-- Folio -->&nbsp;<!-- /Folio -->
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif; margin-left: .25in; width: 7.20in">

<DIV align="justify" style="font-size: 10pt; margin-top: 10pt; text-indent: 4%">Total assets of the Corporation grew 3.7% to $2.3&nbsp;billion at June&nbsp;30, 2008, with deposits
increasing $100.0&nbsp;million or 6.2% from June&nbsp;30, 2007. Loans grew by $48.4&nbsp;million and shareholders
equity increased $11.9&nbsp;million over the same period.
</DIV>

<DIV align="justify" style="font-size: 10pt; margin-top: 10pt; text-indent: 4%">The 2008 book value per share of the Corporation&#146;s stock increased $1.00 or 4.9% to $21.50
from $20.50 at June&nbsp;30, 2007. For the 20<SUP style="font-size: 85%; vertical-align: text-top">th</SUP> consecutive year the Corporation increased
dividends to our shareholders. A dividend of $.44 per share was declared during the second quarter
of 2008.
</DIV>

<DIV align="justify" style="font-size: 10pt; margin-top: 10pt; text-indent: 4%">First Financial Corporation is the holding company for First Financial Bank NA in
Indiana and Illinois, The Morris Plan Company of Terre Haute and Forrest Sherer Inc. in
Indiana.
</DIV>
<P align="center" style="font-size: 10pt">&nbsp;

<P align="center" style="font-size: 10pt"><!-- Folio -->&nbsp;<!-- /Folio -->
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif; margin-left: .25in; width: 7.20in">

<DIV align="center" style="font-size: 10pt; margin-top: 10pt"><B>First Financial Corporation</B>
</DIV>


<DIV align="center" style="font-size: 10pt; margin-top: 10pt"><B>For the Quarter Ending June&nbsp;30, 2008</B>
</DIV>


<DIV align="center" style="font-size: 10pt; margin-top: 10pt">(Dollar amounts in thousands except per share data)
</DIV>

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head --><TR valign="bottom">
    <TD width="44%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="9%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="9%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="9%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="9%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
</TR>
<TR style="font-size: 10pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2" style="border-bottom: 1px solid #000000"><B>06/30/08</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2" style="border-bottom: 1px solid #000000"><B>06/30/07</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2" style="border-bottom: 1px solid #000000"><B>Change</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2" style="border-bottom: 1px solid #000000"><B>% Change</B></TD>
    <TD>&nbsp;</TD>
</TR>


<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom"><!-- Blank Space -->
    <TD><DIV style="margin-left:15px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom" style="background: #cceeff; padding-top: 1px">
    <TD><DIV style="margin-left:15px; text-indent:-15px"><B>Year to Date Information:</B></DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom" style="padding-top: 1px"><!-- Blank Space -->
    <TD><DIV style="margin-left:15px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom" style="padding-top: 1px">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Net Income</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">14,093</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">12,836</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">1,257</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
    <TD align="right">9.79</TD>
    <TD nowrap>%</TD>
</TR>
<TR valign="bottom" style="background: #cceeff; padding-top: 1px">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Earnings Per Average Share</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">1.07</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">0.97</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">0.10</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
    <TD align="right">10.31</TD>
    <TD nowrap>%</TD>
</TR>
<TR valign="bottom" style="padding-top: 1px">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Return on Assets</DIV></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
    <TD align="right">1.24</TD>
    <TD nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
    <TD align="right">1.18</TD>
    <TD nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
    <TD align="right">0.06</TD>
    <TD nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
    <TD align="right">5.08</TD>
    <TD nowrap>%</TD>
</TR>
<TR valign="bottom" style="background: #cceeff; padding-top: 1px">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Return on Equity</DIV></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
    <TD align="right">9.68</TD>
    <TD nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
    <TD align="right">9.29</TD>
    <TD nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
    <TD align="right">0.39</TD>
    <TD nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
    <TD align="right">4.20</TD>
    <TD nowrap>%</TD>
</TR>
<TR valign="bottom" style="padding-top: 1px">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Net Interest Margin</DIV></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
    <TD align="right">3.93</TD>
    <TD nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
    <TD align="right">3.89</TD>
    <TD nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
    <TD align="right">0.04</TD>
    <TD nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
    <TD align="right">1.03</TD>
    <TD nowrap>%</TD>
</TR>
<TR valign="bottom" style="background: #cceeff; padding-top: 1px">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Net Interest Income</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">38,916</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">37,022</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">1,894</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
    <TD align="right">5.12</TD>
    <TD nowrap>%</TD>
</TR>
<TR valign="bottom" style="padding-top: 1px">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Non-Interest Income</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">16,290</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">15,676</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">614</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
    <TD align="right">3.92</TD>
    <TD nowrap>%</TD>
</TR>
<TR valign="bottom" style="background: #cceeff; padding-top: 1px">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Non-Interest Expense</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">32,654</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">32,166</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">488</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
    <TD align="right">1.52</TD>
    <TD nowrap>%</TD>
</TR>
<TR valign="bottom" style="padding-top: 1px">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Loan Loss Provision</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">3,660</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">2,930</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">730</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
    <TD align="right">24.91</TD>
    <TD nowrap>%</TD>
</TR>
<TR valign="bottom" style="background: #cceeff; padding-top: 1px">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Net Charge Offs</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">3,458</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">3,750</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
    <TD align="right">($292</TD>
    <TD nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
    <TD nowrap align="right">-7.79</TD>
    <TD nowrap>%</TD>
</TR>
<TR valign="bottom" style="padding-top: 1px">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Efficiency Ratio</DIV></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
    <TD align="right">56.96</TD>
    <TD nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
    <TD align="right">58.68</TD>
    <TD nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
    <TD nowrap align="right">-1.72</TD>
    <TD nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
    <TD nowrap align="right">-2.93</TD>
    <TD nowrap>%</TD>
</TR>
<TR valign="bottom" style="padding-top: 1px"><!-- Blank Space -->
    <TD><DIV style="margin-left:15px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom" style="background: #cceeff; padding-top: 1px">
    <TD><DIV style="margin-left:15px; text-indent:-15px"><B>Quarter to Date Information:</B></DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom" style="padding-top: 1px"><!-- Blank Space -->
    <TD><DIV style="margin-left:15px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom" style="padding-top: 1px">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Net Income</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">7,143</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">6,413</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">730</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
    <TD align="right">11.38</TD>
    <TD nowrap>%</TD>
</TR>
<TR valign="bottom" style="background: #cceeff; padding-top: 1px">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Earnings Per Average Share</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">0.55</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">0.49</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">0.06</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
    <TD align="right">12.24</TD>
    <TD nowrap>%</TD>
</TR>
<TR valign="bottom" style="padding-top: 1px">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Return on Assets</DIV></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
    <TD align="right">1.26</TD>
    <TD nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
    <TD align="right">1.17</TD>
    <TD nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
    <TD align="right">0.09</TD>
    <TD nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
    <TD align="right">7.69</TD>
    <TD nowrap>%</TD>
</TR>
<TR valign="bottom" style="background: #cceeff; padding-top: 1px">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Return on Equity</DIV></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
    <TD align="right">9.74</TD>
    <TD nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
    <TD align="right">9.21</TD>
    <TD nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
    <TD align="right">0.53</TD>
    <TD nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
    <TD align="right">5.75</TD>
    <TD nowrap>%</TD>
</TR>
<TR valign="bottom" style="padding-top: 1px">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Net Interest Margin</DIV></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
    <TD align="right">4.01</TD>
    <TD nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
    <TD align="right">3.87</TD>
    <TD nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
    <TD align="right">0.14</TD>
    <TD nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
    <TD align="right">3.62</TD>
    <TD nowrap>%</TD>
</TR>
<TR valign="bottom" style="background: #cceeff; padding-top: 1px">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Net Interest Income</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">19,960</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">18,565</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">1,395</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
    <TD align="right">7.51</TD>
    <TD nowrap>%</TD>
</TR>
<TR valign="bottom" style="padding-top: 1px">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Non-Interest Income</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">7,641</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">7,529</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">112</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
    <TD align="right">1.49</TD>
    <TD nowrap>%</TD>
</TR>
<TR valign="bottom" style="background: #cceeff; padding-top: 1px">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Non Interest Expense</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">16,230</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">16,108</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">122</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
    <TD align="right">0.76</TD>
    <TD nowrap>%</TD>
</TR>
<TR valign="bottom" style="padding-top: 1px">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Loan Loss Provision</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">1,735</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">1,240</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">495</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
    <TD align="right">39.92</TD>
    <TD nowrap>%</TD>
</TR>
<TR valign="bottom" style="background: #cceeff; padding-top: 1px">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Net Charge Offs</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">1,625</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">1,721</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
    <TD align="right">($96</TD>
    <TD nowrap>)</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
    <TD nowrap align="right">-5.58</TD>
    <TD nowrap>%</TD>
</TR>
<TR valign="bottom" style="padding-top: 1px">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Efficiency Ratio</DIV></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
    <TD align="right">56.63</TD>
    <TD nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
    <TD align="right">59.27</TD>
    <TD nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
    <TD nowrap align="right">-2.64</TD>
    <TD nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
    <TD nowrap align="right">-4.46</TD>
    <TD nowrap>%</TD>
</TR>
<TR valign="bottom" style="padding-top: 1px"><!-- Blank Space -->
    <TD><DIV style="margin-left:15px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom" style="background: #cceeff; padding-top: 1px">
    <TD><DIV style="margin-left:15px; text-indent:-15px"><B>Balance Sheet:</B></DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom" style="padding-top: 1px"><!-- Blank Space -->
    <TD><DIV style="margin-left:15px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom" style="padding-top: 1px">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Assets</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">2,303,425</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">2,220,294</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">83,131</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
    <TD align="right">3.74</TD>
    <TD nowrap>%</TD>
</TR>
<TR valign="bottom" style="background: #cceeff; padding-top: 1px">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Deposits</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">1,610,835</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">1,510,818</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">100,017</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
    <TD align="right">6.62</TD>
    <TD nowrap>%</TD>
</TR>
<TR valign="bottom" style="padding-top: 1px">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Loans</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">1,459,582</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">1,411,166</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">48,416</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
    <TD align="right">3.43</TD>
    <TD nowrap>%</TD>
</TR>
<TR valign="bottom" style="background: #cceeff; padding-top: 1px">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Shareholders&#146; Equity</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">281,717</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">269,795</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">11,922</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
    <TD align="right">4.42</TD>
    <TD nowrap>%</TD>
</TR>
<TR valign="bottom" style="padding-top: 1px">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Book Value Per Share</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">21.51</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">20.50</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">1.01</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
    <TD align="right">4.92</TD>
    <TD nowrap>%</TD>
</TR>
<TR valign="bottom" style="background: #cceeff; padding-top: 1px">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Average Assets</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">2,271,771</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">2,181,863</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">89,908</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
    <TD align="right">4.12</TD>
    <TD nowrap>%</TD>
</TR>
<!-- End Table Body --></TABLE>
</DIV>



<P align="center" style="font-size: 10pt">&nbsp;

<P align="center" style="font-size: 10pt"><!-- Folio -->&nbsp;<!-- /Folio -->
</DIV>




</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>3
<FILENAME>c74074p7407401.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 c74074p7407401.jpg
M_]C_X``02D9)1@`!``$`8`!@``#__@`?3$5!1"!496-H;F]L;V=I97,@26YC
M+B!6,2XP,0#_VP"$``("`@("`@("`@("`@("`@("`@("`@("`@("`@("`@("
M`@("`@,#`@(#`@("`P0#`P,#!`0$`@,$!`0$!`,$!`,!`@("`@("`@("`@,"
M`@(#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#`P,#
M`P,#`P,#`__$`:(```$%`0$!`0$!```````````!`@,$!08'"`D*"P$``P$!
M`0$!`0$!`0````````$"`P0%!@<("0H+$``"`0,#`@0#!04$!````7T!`@,`
M!!$%$B$Q008346$'(G$4,H&1H0@C0K'!%5+1\"0S8G*""0H6%Q@9&B4F)R@I
M*C0U-C<X.3I#1$5&1TA)2E-455976%E:8V1E9F=H:6IS='5V=WAY>H.$A8:'
MB(F*DI.4E9:7F)F:HJ.DI::GJ*FJLK.TM;:WN+FZPL/$Q<;'R,G*TM/4U=;7
MV-G:X>+CY.7FY^CIZO'R\_3U]O?X^?H1``(!`@0$`P0'!00$``$"=P`!`@,1
M!`4A,08205$'87$3(C*!"!1"D:&QP0DC,U+P%6)RT0H6)#3A)?$7&!D:)B<H
M*2HU-C<X.3I#1$5&1TA)2E-455976%E:8V1E9F=H:6IS='5V=WAY>H*#A(6&
MAXB)BI*3E)66EYB9FJ*CI*6FIZBIJK*SM+6VM[BYNL+#Q,7&Q\C)RM+3U-76
MU]C9VN+CY.7FY^CIZO+S]/7V]_CY^O_``!$(`%D`3P,!$0`"$0$#$0'_V@`,
M`P$``A$#$0`_`/WZS[4`>6>$_CE\'/'6NZSX6\'?$_P+XA\3>'M4O=&UGP[I
MGB;2IM<T_4M.N);2]MYM)^T"Z/E7,$T9D2)HRT3!7.#0!ZGD^E`$-S=6]E;S
M75W/#9VMM&TUQ<W,T=O;V\2#<\LTTI5(HU7)+,0`.2:`/C?Q=^V1H=WK%]X3
M_9W\)Q_M#>)]#E(\5ZII/BW3O!OPD\%HN5%IXE^,.I:??Z+%X@N9S%!::181
MZA/+++B8VR*7H`[3X5_M8?"SXCZFW@O6+JZ^%?Q>T_9!KWP>^)JQ^%O&MA>\
M+)_8\5^T=MXPTEY,M;ZGHDUY!/$4E_=E]B@'TUD^E`$4]Q#:0RW-S+%:VT"-
M+-//*D$$,:C+R2RR%5C0#)+,0`.M`'D_A?X_?!3QKXXOOAKX-^*'@GQ5XYTS
M3+C6+_P[X<UZRUF[M-/M+BUM+N6:73I);=)8+B]M5D@\[SD\X,T87)`!Z\#^
M&/ZT`>/?M`?$N'X-_!/XI_$Z5E63P7X*U[6-/1]NV?6DLI(-!M/F(&;G6I["
M`9[S"@#^>/XS_$;X._LPZ?\`!?X$^.OV9OAG\8_$]A\+?#WCOXO^*M;N-4\+
M?$J+X@_$*ZO/%FHZ98>/O#^W4K<V4%];LKSK,0)K81B,0_,`1>'OVS/V6;6!
M4L]0_;\^$D(C`70OAW^T0_B/0;7`&(K7_A,-4678!\H8Q*V/>@#F_%W[8O[*
ML\3S?\*I_:,_:#U2)A)IR?M,?'W7M2\,VURK!H[B[\+:!?W5EJD2$9^RS1)&
M3W4@$`'R)\;_`-K+XL?'+3;+PEJDN@>!OA?H\RS:!\(OAIHMOX.^'>CM&[M;
MRC1+`EM4NX@_R7&H373H=QA\K>P(!Z#X$_;B\<6'AC3OA[\;?!'@;]I?X=:3
M`+31]&^*^GM=>*O#-HJQQK#X2^(=H!K6BA8HQ&GF/>"*/Y(5C0```^C=$_;'
M_93M+1(]/T3]M_X1Q!5`\._"W]IK7+_P]:X`S!:-XCUF"9;=<#;F,$!0.!0&
MWE8Y_P`5_MA_LKSPL4^!WQV^..H(P>TE_:-_:,\8ZSH\$RG*37?AK1[^ZL]3
M`//DS%5]&%`'TO\`!#XZ>%/%WAKX)_M.>&_AA\-_@[J_P#_:(M/A3\3M`^%W
MA^+PUX?N/@W\=--@\/V&NZK$)9)+Z:QUIH@)+J5LSVD\Z;&F*4!M\C^AM>]`
M'PK^WJC>(?`_P:^$B,#'\9_VDOA#X*U6WZ^=X;L-;E\9:\SH/O01VWAF,N.A
MRJGAJ`/YD?VUO'/_``L3]J[X\^*$F>>V?XB:YH>GR,3SIGA.5?"FFE`3\L9L
M=%@*@=`PH`^7:`"@`H`*`"@#V+X3?`CXD?&JU^(=]X!TBWO;'X6^!M6^(/C&
M]O;ZWTVTL-!TF*2:2**>Y(6XU6XCAN3;6BD/*+2<@A8F(`/JG]A-QXL\+?M?
M?!*5S_Q<3]G'Q%XHT.W8G9-XP^%=Y!XF\.;5'W9E>YO)%=1E?))%`']3_P`#
MO%-QXX^"WPA\;7;,UUXQ^%WP_P#%-TS?>:X\0>$])U:=F_VC+=N3[T`?+O[4
M5_$/VB_V/K:;YK;PK<?M`?%F\@XPT?@'X620V3,#PH&I>(;8;CTW''-`'\@V
MJZC<ZOJFI:M>.9+O5+^\U&ZD;[TES>W$ES.Y]VEE8_C0!]$:M^Q[^TCI3?#I
M8/A+XPU]?BEX4T7QCX/F\+Z-J&OVMSI>O0BXM(+^[TZV>#2=3BMWAFN+6[DB
M>".YADDPD@:@#]+/V>?^",WC+Q#%9>(/VBO&"^!-/E6*?_A!/!CV6K^+&1O+
M<P:MX@F6;2M%EVEE*6D6KGGEXF&*`_`]R_;%_90_X)__`++?[.OBC[=X2DM/
MB/KVB:KI_P`+KRX\6>)M3\;:MXSCM@=/OX[3^U!9C1K*\DM9M0D>QBM%@8Q8
M\^Y@20#8_G*H`]I_9U^$9^._QO\`AM\(_P"U&T.#QOXDM]+O=6CA2XFT[3(H
M9]0U6YMK>61$FNUTZSNC"CL%:7RPW!-`']1G@[X>_L>?\$X/A?JVD>(O%EKH
M>E?$"64Z]J'Q`N(_$'B3X@/IFGFUFTVW\/Z5I>=1TRVMM0F4V5EIK0Q_VL_G
MEFN=S`;'Y%_##XW?#?XF_P#!4OPMXN^%?AZT\.?"[QE-<_#:PTVVT2T\-QZG
MI6I?#2_\*75_<:-:1I':M>:LQN$C9%D,:6_FJLFY0!MY6/WI_8^:6/\`9C^"
MNFS,7F\->!M-\%S,>"9?`\EQX/D!`^ZP?0V!'8C%`'@'[3D4EQ^TS\+K:/*S
M-^RY^UFNG'/#WT^E^"(2BC!VL(B#N'4$#Z@'\BE`']#'P=_X+#?"KP5\!/!G
MASQ=\/?&]_\`$SP5X8T;PD=*T)='@\,:\N@:=!I=EJZ:[=ZEY^E1W%M:PO<0
MG3;AX97D6)9HPK4`=%^R'^W1^TM^V5^TWI/A^SL?#WPX^#?A+3=8\6>,M'\/
MZ*-9N]0TRWMVT[1]$U?Q9K<4K)=76N:EIS;M/@TMGBL[EDC(C;:`?G3^V'<^
M,/C1^W+K.B?M!ZOJ'P.\)_VNNC:)JGBK2[W4;+P5\*=/>]71-<M]+TYV-X-7
M:"6[S#*L<FH:RZ/*D:$Q`'S)XZ_9>^+G@7X4^%OCM<^'+F]^#WC:[OHO#?B^
MW\GS$M(]5N].T>[\1Z3%-)/X;_M9+;[1:"X+1R+*B>;YK!&`/TK_`&;_`-@S
MPMX@_9?^%'C3Q9INK:;\7/CA\;_!?_"">(--U35=*U;PK\-;>\FO]<E@ALKN
M.-CJ'@;P]XRU>.=TWA;G2I(W0Q?.!L>5?\%,]=\1?&;XG>/O'>CSVEM\'/V>
M->\/?L]:!-=WLJMKWCRXMM3UKQ9;>'X=D@U&]LIK"[6_F:5/+M=-TMF9FN8U
M(!\J_L'Q/)^V)^SPD:EF7XE:+*0.R0B>:5OHL:.Q]EH`_JV_9.58_@M91QG]
MS#\1?CG#;^@MHOCE\1H[<+P/D\E4QCMB@#R_]I:*'0/VA/V-/'E[&/[&O?&_
MQ*^"FMNW$97XN^`YQHEO*>BB;7?"EG&-W!:0*/F8`@'\D?Q5\$WGPU^)OQ!^
M'U_')#=^"O&?B7PS*L@PQ&C:O=V$<P]4EB@256'#+(I'!H`U_`]IIOP[^(/P
MJ\2_%_P+J^K?#^\U'PYXUO\`PY<0R6$OC7P`FNS6UZ^EM/);BZLKW^RM4MXW
M\V**9K=T\U48N`#^H#4OVOOA=\)_V))?VDOA1\(4\#^&+N^BT+X;_#[5]&T7
MP4/$-_)KSZ!9WLEEX8FN8H].:VL]5U$,DCRS6^F2,&`D62@-O(_/#PAXJ^)W
M[3_PO^.7QTU/0-(;XL_M6^-O`W['OPQT[2]-NIM"\$^"X+6+Q%X]U(?:6N9[
M?1X]#CNKNZOY[@;+C3))@4RB*!^!^B.O_!OP=\>/V;/@%\*O!VMZ=H7[-&A>
M,;&P\7:I-K45MJ/CKP3\+M2U;P[X=TK29F"1&;QCXRT[3[V2=YXY(8V#QE[A
MT2@/P/"OB5^U]_PHCQC^R!%\;K"+P;<W7BSXJ^*?%_PYT^WL9KWX-_#/6-.U
M?P#\)+.\T[0Q(K3:?H&HQ33>4)I9!9ZJ(%;,:$`_);]N;XW_``I\9ZKX2^#_
M`.SU+?7'P6^&$_B365\07[7AOOB#\1O&^HG5/%WC/49M0MX+N_/%O96]Q=PQ
MOA+KR52UD@4`&M_P2^\,6^I_M5Z-XUU-2OA[X.^"O'?Q/U^Y(Q#:V>D>'[K2
M;::5SPFS4-;M91GKY![`X`/Z7OV1()4_9G^"VH3@+<^*?`NE^/KI1_!=_$8S
M>/+I">,LMQXCD!/<@F@-O*Q0_:_^'FL?$3X">,K7PI&6\=^#)-'^*/P],:EI
MQXV^&NJVOB_1+>W`_P"6U\VF3Z:.1QJ;<CJ`#^;[_@I1X8TO5/BEX&_:.\(0
M*/`?[3GPZ\.?$'3IX<F*U\466EV&E^*M&GPH$>H6^W2I[A"=PGU"=2`R,``?
MI[X5^$7[#'[8OP)_9\^)OQ$\86/AF\^$?PL\,^`/$NGVOCW1?!IL8/"FGQPW
MWAOQ=!?H;B#3X=3&H75K=6SV,TL&J&1)V69/+`/S:_X*,?M;^#OC7K/@[X,?
M!&*&Q^`WP8@73]`:P@:QTSQ'K=K9KI$6HZ99NJM'X?TO2HS8:<TBJ\@N;ZX.
M8[F+:`<7^S)\;OVR+#X/>._V>?V?O!.O>+/#7C^ZOWEU;0_"6M:GK/A*76+*
M#3?$+:'XCLI8[+1%O]/MX8I);X/]G8O-;/!-(9"`?1/@C_@FE^WSX]\`^'?A
MUXR\8Z5\.OACHNH7&O:3X(\5^/+S5+31]2O7>::\MO#GA.'4[6.],LT\H26Y
MB\I[FX9=CSR[P#UC6O\`@D]\//"2R>(OVC?VSM*T>\FB26\NM1M=(T::5(8U
MB3;K/C3QA+<7H2&-(T_T0'"*JK@`4`?DM^TEX"^$?PV^*6H^%O@E\3C\6O`M
MKINEW%OXL-M%#_Q,KF%CJ.F">VBCM]06WD5"+FW18V$X09:)F8#;Y'Z&?L7?
M#+6-%_93^)&KZ>DEGXZ_;$\?>&/V8OAG(/EN(O"D]U</\3/$T*`!CI=KH+^)
MY)YE.U9/"ZAB"PW`']+OA[0].\,:#HOAK1X!:Z1X>TC3-#TJV7`6VTW2;*&P
ML8%P`,):V\2]!]V@#6/7\:`/Q3_:'_9NM-6C^(/[(-_%;Z9IGCO5_$?QX_8J
M\273QVNF:3X_VW&J_$WX$/=OA+&"XN;S4-1L(#B/['K[R@O+I4<=`'XY?LC_
M`++4?[0_[0;_``-\:>*I_A?=Z78^)+O5H;G3%N/$,^I>%YX8-2\+:;IUW/`D
M.N*&O)I#.7$,.EW;F*0Q["`?NJW[,?\`P39_8@T^UUSXIMX:U3Q#!#%<6<_Q
M4U'_`(3GQ1J4D"EA/I'P]L+1K:3=,,B:#0B$.T-,`,T!L?//Q2_X+/>#_#5N
M_AS]G7X-_:K.R#6VGZWXV:'P[H<,:+M1[#P=X;8SR6Q;E5EU&P8*/FB4G``/
MS1^)_P#P4:_;`^*1N8=1^+FJ^$M*N5>/^Q/AW!!X+M(HI"=T2W^E!=6F0@[?
M](U*<D<$\G(!\7:GJVJ:U>SZEK.I:AJVHW+;[B_U.\N+^]N'/5I[JZD>65N>
MK,30!ZK\`/@EXK_:$^*_A3X5^$(BMYKUZ'U359(V:Q\-^'+0K-KOB34W&!%9
M6-CODPS+YLK06Z$RW$:L`?T^?LL>!_#GC;QSIGQ#\(6)M?@#^SMX:U'X(?LS
M1/\`-#XIU)72P^+'QEC?`%S_`&E?67]@V5^I87<5OJUUA3>'<!^!^C*]Z`&G
MJ?K0!X[\<_@QX?\`CEX"N?!^L7=YH>J65_8^)/!'C+2#Y6O^`_'.AR&Z\.>+
MM!G#*T5[97GWXPZ"XMY;BV=@D[$`'X:?M"?`CQ_\7/$>M^._!]I+\-_V]O@?
M!:ZG\3?"'@^XGT+_`(77X;TX&UT3X\_!RZM'@ENKV\M(8UNK6UQ*)EDL)ECO
M(8%U,`_$_P`1ZQXCU[7-3U7Q;J>LZOXDN[N9M8U#Q#>7M]K,]\KE)SJ-SJ$C
MW#W*R*RL)6+`K@XQB@#$H`*`.M\">`_%_P`3/%FB>!O`>@:CXF\5>(;R.QTG
M1M+A,US<3/R\CGA+:TBC#2S7,S1PP11O+*Z1HS``_?S]GG]EB'P=:ZM^R[\,
M]6^U^+]:@T__`(;8^/N@MBW\'>'94%TG[.GPTU8I_P`C+JJ,T.HW$?S6EK)<
M75T@N);2ST\`_;3PUX;T'P;X>T3PIX6TJST'PYX;TNRT;0]'TZ(066F:7I\"
M6UG9VT0^[''!&BY)+'!+$L22!MY6-U>]`#3U/UH`*`/`/CM^S_H?QFM=`UBS
MUO4OA]\5O`5W+JOPR^*_AI(?^$C\(:G*FVXM9H9<1:_X5U!`(=1T*]+6UY"2
M#LD"2H`?D;^TO^S7X%^+&NKH_P"T+I>B?LR?M):G,MEX=^.VA6\C?LX?M!ZB
MJ^7`VJ73*A\'^,;H"/S;+5)+2_1CF*75HS#"@'X'X^?'C]EGXW_LW:O_`&;\
M4?!5]I>G3R^7I7B[3,ZMX,UU2`T<FE>([1#;N[HP?[+<?9[M`P\RW0\4`>F?
ML_\`["_QD^.6GOXTOXM/^$OP<T^$W^N_%WXDR#P_X8L]+C`:>\TF*^DMY==P
MIPLD+16>\A)KR$G-`'[(_LW_``$TZS\/77@W]CG3]5\%^"M;A&G?$G]MCQOI
M'E>//'M@'6._T;]GS0[V&)[73)BCB/Q#)#;:9;E?/M5U.\@CNJ`/U5^%WPM\
M$_!KP5I/@#X?Z.NC^'])$LN'E>ZU+5=2NW\[4M=UW4IR9]7UV_N2T]S>W#-)
M([8^5%1$`/0J`'+WH`0@Y/%`"8/H:`#!]#0!A^)?"_ASQEH>H^&/%N@Z1XE\
M.ZM;O::IH6O:=:ZII6H6T@PT-W8WL4D,R]"-R'!`(P0#0!\AW_[+OCGX>VT]
MG^SK\2+&P\%W!`G^!'QTTK4/BG\'X8_,WHGA>YFU"+Q+X*@@D(ECL;;4;[3]
MR*J6<0PR`'2:+^RM9^(]1TSQ1^T7XQU#X\^(]*F@O-&\,:EIT/AOX*^$;N`)
MY#>&/A/I\TMA>W%OMV)J'B2XUV[PB.DD+```'UE'$D,<<,,:0Q1(D444:+''
M%'&H5(XT0!415``4````"@!V#Z&@`P?0T`.7CV_2@!U`!0`4`%`!0`4`%`!0
'`4`%`'__V3\_
`
end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----
