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&lt;tr&gt;
&lt;td valign="top" width="9%" align="left"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;&lt;b&gt;Note&amp;#xA0;12.&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="top" align="left"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;&lt;b&gt;Litigation, Commitments
and Contingencies&lt;/b&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
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&lt;p style="MARGIN-TOP: 6px; MARGIN-BOTTOM: 0px"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;&lt;i&gt;Litigation&lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="MARGIN-TOP: 6px; MARGIN-BOTTOM: 0px"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;In the normal course of
business, the Company is a defendant in various legal actions and
asserted claims. While the Company and its legal counsel are unable
to assess the ultimate outcome of each of these matters with
certainty, the Company believes the resolution of these actions,
singly or in the aggregate, should not have a material adverse
effect on the financial condition, results of operations or cash
flows of the Company.&lt;/font&gt;&lt;/p&gt;
&lt;p style="MARGIN-TOP: 18px; MARGIN-BOTTOM: 0px; FONT-SIZE: 1px"&gt;
&amp;#xA0;&lt;/p&gt;
&lt;p style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;&lt;i&gt;Commitments and
Contingencies&lt;/i&gt;&lt;/font&gt;&lt;/p&gt;
&lt;p style="MARGIN-TOP: 6px; MARGIN-BOTTOM: 0px"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;The Company is a party to
financial instruments with off balance sheet risk in the normal
course of business to meet the financing needs of its customers.
These financial instruments include commitments to extend credit,
standby letters of credit, and financial guarantees. These
instruments involve, to varying degrees, elements of credit and
interest rate risk beyond the amount recognized on the balance
sheet. The contractual amounts of those instruments reflect the
extent of involvement the Company has in particular classes of
financial instruments. The Company&amp;#x2019;s exposure to credit loss
in the event of nonperformance by the other party to the financial
instrument for commitments to extend credit and standby letters of
credit and financial guarantees written is represented by the
contractual amount of those instruments. The Company uses the same
credit policies in making commitments and conditional obligations
as it does for on balance sheet instruments.&lt;/font&gt;&lt;/p&gt;
&lt;p style="MARGIN-TOP: 12px; MARGIN-BOTTOM: 0px"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;Commitments to extend
credit are agreements to lend to a customer as long as there is no
violation of any condition established in the contract. Commitments
generally have fixed expiration dates or other termination clauses
and may require payment of a fee. Since many of the commitments are
expected to expire without being drawn upon, the total commitment
amounts do not necessarily represent future cash requirements. The
Company evaluates each customer&amp;#x2019;s creditworthiness on a case
by case basis. The amount of collateral obtained, if deemed
necessary upon extension of credit, is based on management&amp;#x2019;s
credit evaluation of the counterparty. Collateral may include
accounts receivable, inventory, property, plant and equipment, and
income producing commercial properties. Commitments to extend
credit, including availability on lines of credit, totaled $200.65
million at June&amp;#xA0;30, 2013, and $215.77 million at
December&amp;#xA0;31, 2012. Additionally, the Company had gross
notional amounts of outstanding commitments related to secondary
market mortgage loans of $9.07 million at June&amp;#xA0;30, 2013, and
$14.84 million at December&amp;#xA0;31, 2012.&lt;/font&gt;&lt;/p&gt;
&lt;p style="MARGIN-TOP: 12px; MARGIN-BOTTOM: 0px"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;Standby letters of credit
and financial guarantees are conditional commitments issued by the
Company to guarantee the performance of a customer to a third
party. The credit risk involved in issuing letters of credit is
essentially the same as that involved in extending loan facilities
to customers. To the extent deemed necessary, collateral of varying
types and amounts is held to secure customer performance under
certain of those letters of credit outstanding. Standby letters of
credit and financial guarantees totaled $4.74 million at
June&amp;#xA0;30, 2013, and $6.81 million at December&amp;#xA0;31, 2012.
The Company maintained a reserve for unfunded lending commitments
of $326 thousand at June&amp;#xA0;30, 2013, and December&amp;#xA0;31,
2012.&lt;/font&gt;&lt;/p&gt;
&lt;p style="MARGIN-TOP: 12px; MARGIN-BOTTOM: 0px"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;The Company has issued,
through the Trust, $15.0 million of trust preferred securities in a
private placement. In connection with the issuance of the trust
preferred securities, the Company has committed to irrevocably and
unconditionally guarantee the following payments or distributions
with respect to the trust preferred securities to the holders
thereof to the extent that the Trust has not made such payments or
distributions and has the funds therefore: (i)&amp;#xA0;accrued and
unpaid distributions, (ii)&amp;#xA0;the redemption price, and
(iii)&amp;#xA0;upon a dissolution or termination of the Trust, the
lesser of the liquidation amount and all accrued and unpaid
distributions and the amount of assets of the Trust remaining
available for distribution.&lt;/font&gt;&lt;/p&gt;
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