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<SEC-DOCUMENT>0001206774-04-000109.txt : 20040305
<SEC-HEADER>0001206774-04-000109.hdr.sgml : 20040305
<ACCEPTANCE-DATETIME>20040305163544
ACCESSION NUMBER:		0001206774-04-000109
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20040305
ITEM INFORMATION:		
ITEM INFORMATION:		Financial statements and exhibits
FILED AS OF DATE:		20040305

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			GUARANTY BANCSHARES INC /TX/
		CENTRAL INDEX KEY:			0001058867
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				751656431
		STATE OF INCORPORATION:			TX
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-24235
		FILM NUMBER:		04652505

	BUSINESS ADDRESS:	
		STREET 1:		100 WEST ARKANSAS
		CITY:			MT PLEASANT
		STATE:			TX
		ZIP:			75456
		BUSINESS PHONE:		9035729881

	MAIL ADDRESS:	
		STREET 1:		100 WEST ARKANSAS
		CITY:			MT PLEASANT
		STATE:			TX
		ZIP:			75456
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>d14124.htm
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<P ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="5"><B>SECURITIES
AND EXCHANGE COMMISSION</FONT><BR><FONT SIZE=2>WASHINGTON, D.C. 20549</B></FONT></FONT></P>



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<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=4>FORM 8-K</FONT></H1>

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<A NAME="A003"></A>
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>CURRENT
REPORT<BR>PURSUANT TO
SECTION 13 OR 15(D) OF<BR>THE
SECURITIES EXCHANGE ACT OF 1934</FONT></H1>

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<P ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="2"><B>Date of
Report (Date of earliest event reported): March 5, 2004</B></FONT></FONT></P>


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<P ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="5"><B>GUARANTY
BANCSHARES, INC.</FONT><BR><FONT SIZE=2>(Exact name of registrant as specified in its charter)</B></FONT></FONT></P>

<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="CENTER" WIDTH="33%"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="2"><B>Texas</B></FONT></FONT></TD>
     <TD ALIGN="CENTER" WIDTH="33%"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="2"><B>0-23113</B></FONT></FONT></TD>
     <TD ALIGN="CENTER" WIDTH="33%"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="2"><B>75-1656431</B></FONT></FONT></TD>
</TR>
<TR VALIGN="TOP">
     <TD ALIGN="CENTER" WIDTH="33%"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="2">(State or other jurisdiction of<BR>incorporation or organization)</FONT></FONT></TD>
     <TD ALIGN="CENTER" WIDTH="33%"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="2">(Commission File Number)</FONT></FONT></TD>
     <TD ALIGN="CENTER" WIDTH="33%"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="2">(I.R.S. Employer<BR>Identification No.)</FONT></FONT></TD>
</TR>
</TABLE>
<BR>

<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="CENTER" WIDTH="50%"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="2"><B>100 West Arkansas<BR>Mount Pleasant, Texas</B></FONT></FONT></TD>
     <TD ALIGN="CENTER" VALIGN="BOTTOM" WIDTH="50%"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="2"><B>75455</B></FONT></FONT></TD>
</TR>
<TR VALIGN="TOP">
     <TD ALIGN="CENTER" WIDTH="50%"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="2">(Address of principal executive offices)</FONT></FONT></TD>
     <TD ALIGN="CENTER" WIDTH="50%"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="2">(Zip Code)</FONT></FONT></TD>
</TR>
</TABLE>
<BR>

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<P ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="2"><B>Registrant's
telephone number, including area code: (903) 572-9881</B></FONT></FONT></P>


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<H2 ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Item 7. Financial Statements and Exhibits.</FONT></H2>

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<P ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="2">Exhibits.  The
following materials are filed as exhibits to this Current Report on Form 8-K:</FONT></FONT> </P>

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     <TD WIDTH="3%">&nbsp;</TD>
     <TD><P ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="2">99.1
- -  Press Release issued by Guaranty Bancshares, Inc. dated March 5, 2004.</FONT></FONT> </P></TD>
</TR>
</TABLE>
<BR>



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<P ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="2"><B>Item 12.
Disclosure of Results of Operations and Financial Condition.</B></FONT></FONT></P>

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<P ALIGN="LEFT">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="2">On
March 5, 2004, Guaranty Bancshares, Inc. publicly disseminated a press release
announcing its financial results for the fourth quarter and for the year ended  December
31, 2003. A copy of the press release is attached as Exhibit 99.1 and  is incorporated
herein by reference. </FONT></FONT> </P>

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<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>SIGNATURES</FONT></H1>

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<P ALIGN="LEFT">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="2">Pursuant
to the requirements of the Securities Exchange Act of 1934, the registrant has  duly
caused this report to be signed on its behalf by the undersigned hereunto  duly
authorized. </FONT></FONT> </P>

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<TR VALIGN="TOP">
     <TD ALIGN="RIGHT" WIDTH="50%"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="2">&nbsp;</FONT></FONT></TD>
     <TD WIDTH="50%"><P ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="2">GUARANTY
BANCSHARES, INC.</FONT></FONT> </P></TD>
</TR>
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<BR>

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     <TD ALIGN="LEFT" WIDTH="50%"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="2">Dated:  March 5, 2004</FONT></FONT></TD>
     <TD WIDTH="50%"><P ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="2"><U>By: /s/ Clifton A. Payne</U><BR>
Clifton A. Payne <BR>Senior Vice President andChief <BR>Financial Officer</FONT></FONT>
</P></TD>
</TR>
</TABLE>
<BR>


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<A NAME="A010"></A>
<P ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="2"><B>EXHIBIT
INDEX</B></FONT></FONT></P>

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     <TD ALIGN="CENTER" WIDTH="30%"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="2">Exhibit<BR><U>Number</U></FONT></FONT></TD>
     <TD WIDTH="70%"><P ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="2"><U>Description</U></FONT></FONT> </P></TD>
</TR>
<TR VALIGN="TOP">
     <TD ALIGN="CENTER" WIDTH="30%"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="2">99.1</FONT></FONT></TD>
     <TD WIDTH="70%"><P ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="2">Press Release issued by Guaranty Bancshares, Inc. dated March 5, 2004.</FONT></FONT> </P></TD>
</TR>
</TABLE>
<BR>





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<TYPE>EX-99.1
<SEQUENCE>3
<FILENAME>d14124_ex99-1.htm
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<P ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="2"><B>Exhibit 99.1</B></FONT></FONT></P>

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<A NAME="A014"></A>
<P ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="2"><B>Guaranty
Bancshares, Inc. Earnings Report<BR>For the  Fourth Quarter and For the Year 2003</B></FONT></FONT></P>


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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2><B>MOUNT PLEASANT,
TEXAS</B> &#150; March 5, 2004 &#150; Guaranty Bancshares, Inc. (Nasdaq: GNTY)
the parent company of Guaranty Bond Bank, today announced net income for the
fourth quarter of 2003 of $1.1 million ($.37 per share) compared to $1.2 million
($.41 per share) for the fourth quarter 2002, a 10.0% decrease. Net income for
the year ended December 31, 2003 totaled $3.8 million ($1.32 per share) compared
to $4.4 million ($1.46 per share) for the year ended December 31, 2002, a 12.2%
decrease. </FONT></P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Art Scharlach, Jr.,
President and CEO of Guaranty Bancshares, Inc. stated, &#147;with the
recognition of over $3.8 million in net income for 2003, Guaranty Bancshares,
Inc. saw a decrease of 12.2% from the previous year still making 2003 the second
strongest and most profitable year in the Company&#146;s history. Guaranty
Bancshares, Inc. experienced a growth of 27.72% in stock value during 2003 with
its stock price increasing from $16.09 to $20.55. While the stock market
experienced modest growth and recovery during the same time period,
Guaranty&#146;s commitment to strength and stability weathered the economic
downturn providing shareholders with a much-improved investment value. In a
recovering, yet unstable economy, the Company recorded earnings per share of
$1.32 while its Return on Equity ratio remained above 10% for the third
consecutive year.&#148; </FONT></P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>As of December 31, 2003,
assets for the Company totaled $517.1 million compared to $518.0 million a year
earlier, a 0.2% decrease. Loans totaled $365.5 million, compared to $365.6
million the year before, indicating no change for the year. Total deposits were
$407.8 million compared to $425.0 million at December 31, 2002, a decrease of
$17.1 million or 4.0%. </FONT></P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The decrease in net
earnings for the year of $533,000 resulted primarily from an increase in
noninterest expense of $1.1 million or 7.8% and a decrease in noninterest income
of $119,000 or 2.4% partially offset by an increase in net interest income of
$639,000 or 3.8%. Net interest income increased due primarily to average
interest-earning assets increasing to $476.9 million from $447.4 million or 6.6%
while the Company&#146;s cost of funds decreased from 3.73% in 2002 to 3.63% in
2003. The increase in expenses was due primarily to an increase in employee
compensation and benefits, and the decrease in noninterest income was due
primarily to a lower gain on sale from securities in 2003 compared to 2002. </FONT></P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Stockholders&#146; equity
increased to $36.4 million up from $34.6 million a year earlier. This resulted
in a book value at December 31, 2003 of $12.47 up 5.6% from $11.81 at December
31, 2002. The Company also repurchased 10,000 shares into Treasury Stock under
its Repurchase Plan during 2003. </FONT></P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&#147;Guaranty Bond Bank
made significant improvements this past year in our internal control
procedures,&#148; commented Ty Abston, President of Guaranty Bond Bank.
&#147;Comprehensive programs were launched and improvements were made in the
areas of loan review, audit, corporate training, risk management and technology.
Our asset quality remains sound and our capital is strong, two key components as
the Company is positioned to begin another phase of growth.&#148; </FONT></P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The Company&#146;s returns
on average assets and average stockholders equity for 2003 were 0.73% and
10.83%, respectively, compared with 0.89% and 12.90%, respectively, for 2002. </FONT></P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Guaranty Bancshares, Inc.
is a bank holding company headquartered in Mount Pleasant, Texas. The Company
derives substantially all of its revenue and income from the operation of its
bank subsidiary, Guaranty Bond Bank, one of the oldest and largest community
banks in Northeast Texas. The Company currently serves seven Northeast Texas
counties with ten locations and Pecos County in West Texas with one location in
Fort Stockton. The Company creates financial relationships featuring a full
array of financial services, from traditional banking products to investments.
Guaranty Bancshares Inc., stock (GNTY) is listed on The Nasdaq Stock Market,
Inc. Further investor information can be found at www.gnty.com. </FONT></P>





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<P ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="2"><B><B>Exhibit
99.1</B></B></FONT></FONT></P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2><I>The following appears in
accordance with the Private Securities Litigation Reform Act of 1995:</I> </FONT></P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2><I>The information in this
press release includes certain forward-looking statements that are based upon
assumptions that in the future may prove not to have been accurate and are
subject to significant risks and uncertainties, including statements as to the
further performance of the Company. Although the Company believes that the
expectations reflected in its forward-looking statements are reasonable, it can
give no assurance that such expectations or any of its forward-looking
statements will prove to be correct. Factors that could cause results to differ
include, but are not limited to, successful performance of internal plans,
impact of competitive services, interest rates and general economic risks and
uncertainties.</I> </FONT></P>

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<A NAME="A016"></A>
<H2 ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Other
Information</FONT></H2>

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<P ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="2">For more
information about Guaranty Bancshares, Inc., please access the Company's web site at <U>http://www.gnty.com</U></FONT></FONT> </P>


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<P ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="2">For  further
information contact: </FONT></FONT> </P>

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<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="TOP">
     <TD ALIGN="left" WIDTH="50%"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="2">Arthur B.
Scharlach, Jr., President and CEO</FONT></FONT></TD>
     <TD WIDTH="50%"><P ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="2">903/ 572-9881</FONT></FONT> </P></TD>
</TR>
</TABLE>
<BR>

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<A NAME="A017"></A>
<P ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="2">Or</FONT></FONT> </P>

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<TR VALIGN="TOP">
     <TD ALIGN="left" WIDTH="50%"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="2">Clifton A. Payne, Senior Vice President</FONT></FONT></TD>
     <TD WIDTH="50%"><P ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="2">903/ 572-9881</FONT></FONT> </P></TD>
</TR>
</TABLE>
<BR>





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<P ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="2"><B>Exhibit 99.1</B></FONT></FONT></P>

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<A NAME="A018"></A>
<P ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="2"><B>GUARANTY
BANCSHARES, INC.<BR>SUMMARY CONSOLIDATED FINANCIAL DATA</B></FONT></FONT></P>

<TABLE width="100%" BORDER="0" CELLPADDING="0" CELLSPACING="0">
  <TR VALIGN="BOTTOM">
    <TH COLSPAN="2"></TH>
    <TH COLSPAN="3"></TH>
    <TH COLSPAN="3"></TH>
    <TH COLSPAN="3"></TH>
    <TH COLSPAN="3"></TH>
  </TR>
  <TR VALIGN="BOTTOM">
    <TD width="100%" ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD colspan="5" ALIGN="center" nowrap><strong><font size="2" face="Times New Roman, Times, serif">Quarter
      Ended<br>
      December 31,</font></strong></TD>
    <TD ALIGN="center" nowrap>&nbsp;</TD>
    <TD colspan="5" ALIGN="center" nowrap><strong><font size="2" face="Times New Roman, Times, serif">Twelve
      Months Ended<br>
      December 31,</font></strong></TD>
    <TD ALIGN="center" nowrap>&nbsp;</TD>
  </TR>
  <TR VALIGN="BOTTOM">
    <TD width="100%" ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD colspan="2" ALIGN="center" nowrap><strong><font size="2" face="Times New Roman, Times, serif">2003</font></strong></TD>
    <TD ALIGN="center" nowrap>&nbsp;</TD>
    <TD colspan="2" ALIGN="center" nowrap><strong><font size="2" face="Times New Roman, Times, serif">2002</font></strong></TD>
    <TD ALIGN="center" nowrap>&nbsp;</TD>
    <TD colspan="2" ALIGN="center" nowrap><strong><font size="2" face="Times New Roman, Times, serif">2003</font></strong></TD>
    <TD ALIGN="center" nowrap>&nbsp;</TD>
    <TD colspan="2" ALIGN="center" nowrap><strong><font size="2" face="Times New Roman, Times, serif">2002</font></strong></TD>
    <TD ALIGN="center" nowrap>&nbsp;</TD>
  </TR>
  <TR VALIGN="BOTTOM">
    <TD width="100%" ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD colspan="12" ALIGN="RIGHT"><hr width="100%" size="2" color=black noshade></TD>
  </TR>
  <TR VALIGN="BOTTOM">
    <TD width="100%" ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD colspan="12" ALIGN="CENTER"><B><font size="2" face="Times New Roman, Times, serif">(Dollars
      in thousands, except per share data)</font></B></TD>
  </TR>
  <TR VALIGN="BOTTOM">
    <TD width="100%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><B>Income
      Statement Data:</B></FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
  </TR>
  <TR VALIGN="BOTTOM" bgcolor="#66ffff">
    <TD width="100%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Interest
      Income</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">$</FONT></TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">6,799</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">$</FONT></TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">7,324</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">$</FONT></TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">27,564</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">$</FONT></TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">28,955</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
  </TR>
  <TR VALIGN="BOTTOM">
    <TD width="100%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Interest
      Expense</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">2,229</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">2,972</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10,242</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">12,272</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
  </TR>
  <TR>
    <TD width="100%">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2"><hr width="100%" size="1" color=black noshade></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2"><hr width="100%" size="1" color=black noshade></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2"><hr width="100%" size="1" color=black noshade></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2"><hr width="100%" size="1" color=black noshade></TD>
    <TD>&nbsp;</TD>
  </TR>
  <TR VALIGN="BOTTOM" bgcolor="#66ffff">
    <TD width="100%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Net
      interest income</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">$</FONT></TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">4,570</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">$</FONT></TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">4,352</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">$</FONT></TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">17,322</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">$</FONT></TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">16,683</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
  </TR>
  <TR VALIGN="BOTTOM">
    <TD width="100%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Provision
      for loan losses</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">300</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">225</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">1,075</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">1,260</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
  </TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2"><hr width="100%" size="1" color=black noshade></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2"><hr width="100%" size="1" color=black noshade></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2"><hr width="100%" size="1" color=black noshade></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2"><hr width="100%" size="1" color=black noshade></TD>
    <TD>&nbsp;</TD>
  </TR>
  <TR VALIGN="BOTTOM" bgcolor="#66ffff">
    <TD width="100%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Net
      interest income after provision for loan losses</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">4,270</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">4,127</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">16,247</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">15,423</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
  </TR>
  <TR VALIGN="BOTTOM">
    <TD width="100%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Noninterest
      income</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">1,042</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">1,320</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">4,937</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">5,056</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
  </TR>
  <TR VALIGN="BOTTOM" bgcolor="#66ffff">
    <TD width="100%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Noninterest
      expense</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">3,805</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">3,945</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">15,837</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">14,692</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
  </TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2"><hr width="100%" size="1" color=black noshade></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2"><hr width="100%" size="1" color=black noshade></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2"><hr width="100%" size="1" color=black noshade></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2"><hr width="100%" size="1" color=black noshade></TD>
    <TD>&nbsp;</TD>
  </TR>
  <TR VALIGN="BOTTOM" bgcolor="#66ffff">
    <TD width="100%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Earnings
      before taxes</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">1,507</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">1,502</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">5,347</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">5,787</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
  </TR>
  <TR VALIGN="BOTTOM">
    <TD width="100%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Provision
      for income tax expense</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">418</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">292</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">1,503</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">1,410</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
  </TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2"><hr width="100%" size="1" color=black noshade></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2"><hr width="100%" size="1" color=black noshade></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2"><hr width="100%" size="1" color=black noshade></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2"><hr width="100%" size="1" color=black noshade></TD>
    <TD>&nbsp;</TD>
  </TR>
  <TR VALIGN="BOTTOM" bgcolor="#66ffff">
    <TD width="100%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Net
      earnings</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">1,089</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">1,210</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">3,844</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">4,377</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
  </TR>
  <TR VALIGN="BOTTOM">
    <TD width="100%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Preferred
      stock dividend</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">$</FONT></TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&#151;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">$</FONT></TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&#151;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&#151;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&#151;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
  </TR>
  <TR>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2"><hr width="100%" size="1" color=black noshade></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2"><hr width="100%" size="1" color=black noshade></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2"><hr width="100%" size="1" color=black noshade></TD>
    <TD>&nbsp;</TD>
    <TD colspan="2"><hr width="100%" size="1" color=black noshade></TD>
    <TD>&nbsp;</TD>
  </TR>
  <TR VALIGN="BOTTOM" bgcolor="#66ffff">
    <TD width="100%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Net
      earnings available to common shareholders</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">$</FONT></TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">1,089</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">$</FONT></TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">1,210</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">$</FONT></TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">3,844</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">$</FONT></TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">4,377</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
  </TR>
  <TR VALIGN="BOTTOM">
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
  </TR>
  <TR VALIGN="BOTTOM">
    <TD width="100%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><strong>Common
      Share Data:</strong></FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
  </TR>
  <TR VALIGN="BOTTOM">
    <TD width="100%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Net
      earnings (basic) <sup>(1)</sup></FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">$</FONT></TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">0.37</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">$</FONT></TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">0.41</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">$</FONT></TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">1.32</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">$</FONT></TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">1.46</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
  </TR>
  <TR VALIGN="BOTTOM" bgcolor="#66ffff">
    <TD width="100%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Net
      earnings (diluted) <sup>(1)</sup></FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">0.37</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">0.40</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">1.30</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">1.45</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
  </TR>
  <TR VALIGN="BOTTOM">
    <TD width="100%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Book
      value</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">12.47</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">11.81</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">12.47</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">11.81</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
  </TR>
  <TR VALIGN="BOTTOM" bgcolor="#66ffff">
    <TD width="100%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Tangible
      book value</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">11.67</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">11.01</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">11.67</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">11.01</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
  </TR>
  <TR VALIGN="BOTTOM">
    <TD width="100%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Cash
      dividends</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">0.2000</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">0.1700</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">0.3700</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">0.3200</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
  </TR>
  <TR VALIGN="BOTTOM" bgcolor="#66ffff">
    <TD width="100%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Dividend
      payout ratio</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">53.66</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">%</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">41.47</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">%</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">28.12</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">%</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">21.73</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">%</FONT></TD>
  </TR>
  <TR VALIGN="BOTTOM">
    <TD width="100%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Weighted
      average shares outstanding (in thousands)</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">2,922</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">2,991</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">2,923</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">2,991</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
  </TR>
  <TR VALIGN="BOTTOM" bgcolor="#66ffff">
    <TD width="100%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Period
      end shares outstanding (in thousands)</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">2,922</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">2,932</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">2,922</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">2,932</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
  </TR>
  <TR VALIGN="BOTTOM">
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
  </TR>
  <TR VALIGN="BOTTOM">
    <TD width="100%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><strong>Balance
      Sheet Data:</strong></FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
  </TR>
  <TR VALIGN="BOTTOM">
    <TD width="100%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Total
      assets</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">$</FONT></TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">517,078</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">$</FONT></TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">517,968</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">$</FONT></TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">517,078</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">$</FONT></TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">517,968</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
  </TR>
  <TR VALIGN="BOTTOM" bgcolor="#66ffff">
    <TD width="100%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Securities</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">99,614</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">106,992</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">99,614</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">106,992</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
  </TR>
  <TR VALIGN="BOTTOM">
    <TD width="100%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Loans</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">365,514</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">365,615</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">365,514</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">365,615</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
  </TR>
  <TR VALIGN="BOTTOM" bgcolor="#66ffff">
    <TD width="100%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Allowance
      for loan losses</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">3,906</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">3,692</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">3,906</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">3,692</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
  </TR>
  <TR VALIGN="BOTTOM">
    <TD width="100%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Total
      deposits</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">407,847</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">424,950</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">407,847</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">424,950</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
  </TR>
  <TR VALIGN="BOTTOM" bgcolor="#66ffff">
    <TD width="100%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Total
      common shareholders' equity</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">36,448</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">34,644</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">36,448</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">34,644</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
  </TR>
  <TR VALIGN="BOTTOM">
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
  </TR>
  <TR VALIGN="BOTTOM">
    <TD width="100%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><strong>Average
      Balance Sheet Data:</strong></FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
  </TR>
  <TR VALIGN="BOTTOM">
    <TD width="100%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Total
      assets</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">$</FONT></TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">524,675</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">$</FONT></TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">490,620</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">$</FONT></TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">524,675</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">$</FONT></TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">490,620</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
  </TR>
  <TR VALIGN="BOTTOM" bgcolor="#66ffff">
    <TD width="100%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Securities</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">109,325</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">91,710</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">109,325</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">91,710</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
  </TR>
  <TR VALIGN="BOTTOM">
    <TD width="100%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Loans</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">359,829</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">342,823</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">359,829</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">342,823</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
  </TR>
  <TR VALIGN="BOTTOM" bgcolor="#66ffff">
    <TD width="100%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Allowance
      for loan losses</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">3,767</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">3,485</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">3,767</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">3,485</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
  </TR>
  <TR VALIGN="BOTTOM">
    <TD width="100%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Total
      deposits</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">423,283</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">403,125</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">423,283</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">403,125</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
  </TR>
  <TR VALIGN="BOTTOM" bgcolor="#66ffff">
    <TD width="100%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Total
      common shareholders' equity</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">35,496</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">33,934</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">35,496</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">33,934</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
  </TR>
  <TR VALIGN="BOTTOM">
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
    <TD ALIGN="LEFT">&nbsp;</TD>
  </TR>
  <TR VALIGN="BOTTOM">
    <TD width="100%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><strong>Performance
      Ratios:</strong></FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
  </TR>
  <TR VALIGN="BOTTOM">
    <TD width="100%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Return
      on average assets</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">0.82</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">%</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">0.98</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">%</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">0.73</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">%</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">0.89</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">%</FONT></TD>
  </TR>
  <TR VALIGN="BOTTOM" bgcolor="#66ffff">
    <TD width="100%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Return
      on average common equity</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">12.17</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">%</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">14.15</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">%</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.83</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">%</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">12.90</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">%</FONT></TD>
  </TR>
  <TR VALIGN="BOTTOM">
    <TD width="100%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Net
      interest margin</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">3.86</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">%</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">3.67</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">%</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">3.63</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">%</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">3.73</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">%</FONT></TD>
  </TR>
  <TR VALIGN="BOTTOM" bgcolor="#66ffff">
    <TD width="100%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Efficiency
      ratio <sup>(2)</sup></FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">67.81</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">%</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">69.75</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">%</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">71.75</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">%</FONT></TD>
    <TD ALIGN="RIGHT">&nbsp;</TD>
    <TD ALIGN="RIGHT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">68.79</FONT></TD>
    <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">%</FONT></TD>
  </TR>
</TABLE>





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<P ALIGN="right"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="2"><B>Exhibit 99.1</B></FONT></FONT></P>

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<P ALIGN="CENTER"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="2"><B>GUARANTY
BANCSHARES, INC.<BR>SUMMARY CONSOLIDATED FINANCIAL DATA</B></FONT></FONT></P>


<TABLE WIDTH="100%" BORDER="0" CELLPADDING="0" CELLSPACING="0">
  <TR VALIGN="BOTTOM">
    <TH COLSPAN="2"></TH>
    <TH></TH>
    <TH></TH>
    <TH></TH>
    <TH></TH>
    <TH></TH>
    <TH></TH>
    <TH></TH>
  </TR>
  <TR VALIGN="BOTTOM">
    <TD width="100%" ALIGN="LEFT" nowrap>&nbsp;</TD>
    <TD ALIGN="LEFT" nowrap>&nbsp;</TD>
    <TD colspan="3" ALIGN="center" nowrap><strong><font size="2" face="Times New Roman, Times, serif">Quarter
      Ended<br>
      December 31,</font></strong></TD>
    <TD ALIGN="center" nowrap>&nbsp;</TD>
    <TD colspan="6" ALIGN="center" nowrap><strong><font size="2" face="Times New Roman, Times, serif">Twelve
      Months Ended<br>
      December 31,</font></strong></TD>
    <TD ALIGN="center" nowrap>&nbsp;</TD>
  </TR>
  <TR VALIGN="BOTTOM">
    <TD ALIGN="LEFT" nowrap>&nbsp;</TD>
    <TD ALIGN="LEFT" nowrap>&nbsp;</TD>
    <TD ALIGN="center" nowrap><strong><font size="2" face="Times New Roman, Times, serif">2003</font></strong></TD>
    <TD ALIGN="center" nowrap>&nbsp;</TD>
    <TD ALIGN="center" nowrap><strong><font size="2" face="Times New Roman, Times, serif">2002</font></strong></TD>
    <TD ALIGN="center" nowrap>&nbsp;</TD>
    <TD ALIGN="center" nowrap><strong><font size="2" face="Times New Roman, Times, serif">2003</font></strong></TD>
    <TD ALIGN="center" nowrap>&nbsp;</TD>
    <TD colspan="2" ALIGN="center" nowrap><strong><font size="2" face="Times New Roman, Times, serif">2002</font></strong></TD>
  </TR>
  <TR VALIGN="BOTTOM">
    <TD ALIGN="LEFT" nowrap>&nbsp;</TD>
    <TD ALIGN="LEFT" nowrap>&nbsp;</TD>
    <TD colspan="12" ALIGN="RIGHT" nowrap> <hr width="100%" size="2" color=black noshade></TD>
  </TR>
  <TR VALIGN="BOTTOM">
    <TD ALIGN="LEFT" nowrap><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><strong>Asset
      Quality Ratios <sup>(3)</sup> </strong>:</FONT></TD>
    <TD ALIGN="LEFT" nowrap><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT" nowrap><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT" nowrap>&nbsp;</TD>
    <TD ALIGN="RIGHT" nowrap><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT" nowrap>&nbsp;</TD>
    <TD ALIGN="RIGHT" nowrap><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT" nowrap>&nbsp;</TD>
    <TD ALIGN="RIGHT" nowrap><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
  </TR>
  <TR VALIGN="BOTTOM">
    <TD ALIGN="LEFT" nowrap bgcolor="#66ffff"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Nonperforming
      assets to total loans and other real estate</FONT></TD>
    <TD ALIGN="LEFT" nowrap bgcolor="#66ffff"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT" nowrap bgcolor="#66ffff"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">0</FONT><FONT FACE="Times New Roman, Times, Serif" SIZE="2">.90%</FONT></TD>
    <TD ALIGN="RIGHT" nowrap bgcolor="#66ffff">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD ALIGN="RIGHT" nowrap bgcolor="#66ffff"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">1</FONT><FONT FACE="Times New Roman, Times, Serif" SIZE="2">.18%</FONT></TD>
    <TD ALIGN="RIGHT" nowrap bgcolor="#66ffff">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD ALIGN="RIGHT" nowrap bgcolor="#66ffff"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">0</FONT><FONT FACE="Times New Roman, Times, Serif" SIZE="2">.90%</FONT></TD>
    <TD ALIGN="RIGHT" nowrap bgcolor="#66ffff">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD ALIGN="RIGHT" nowrap bgcolor="#66ffff"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">1</FONT><FONT FACE="Times New Roman, Times, Serif" SIZE="2">.18%</FONT></TD>
  </TR>
  <TR VALIGN="BOTTOM">
    <TD ALIGN="LEFT" nowrap><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Net
      loan charge-offs to average loans</FONT></TD>
    <TD ALIGN="LEFT" nowrap><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT" nowrap><FONT FACE="Times New Roman, Times, Serif" SIZE="2">0</FONT><FONT FACE="Times New Roman, Times, Serif" SIZE="2">.07%</FONT></TD>
    <TD ALIGN="RIGHT" nowrap>&nbsp;</TD>
    <TD ALIGN="RIGHT" nowrap><FONT FACE="Times New Roman, Times, Serif" SIZE="2">0</FONT><FONT FACE="Times New Roman, Times, Serif" SIZE="2">.05%</FONT></TD>
    <TD ALIGN="RIGHT" nowrap>&nbsp;</TD>
    <TD ALIGN="RIGHT" nowrap><FONT FACE="Times New Roman, Times, Serif" SIZE="2">0</FONT><FONT FACE="Times New Roman, Times, Serif" SIZE="2">.24%</FONT></TD>
    <TD ALIGN="RIGHT" nowrap>&nbsp;</TD>
    <TD ALIGN="RIGHT" nowrap><FONT FACE="Times New Roman, Times, Serif" SIZE="2">0</FONT><FONT FACE="Times New Roman, Times, Serif" SIZE="2">.27%</FONT></TD>
  </TR>
  <TR VALIGN="BOTTOM">
    <TD ALIGN="LEFT" nowrap bgcolor="#66ffff"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Allowance
      for loan losses to total loans</FONT></TD>
    <TD ALIGN="LEFT" nowrap bgcolor="#66ffff"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT" nowrap bgcolor="#66ffff"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">1</FONT><FONT FACE="Times New Roman, Times, Serif" SIZE="2">.07%</FONT></TD>
    <TD ALIGN="RIGHT" nowrap bgcolor="#66ffff">&nbsp;</TD>
    <TD ALIGN="RIGHT" nowrap bgcolor="#66ffff"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">1</FONT><FONT FACE="Times New Roman, Times, Serif" SIZE="2">.01%</FONT></TD>
    <TD ALIGN="RIGHT" nowrap bgcolor="#66ffff">&nbsp;</TD>
    <TD ALIGN="RIGHT" nowrap bgcolor="#66ffff"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">1</FONT><FONT FACE="Times New Roman, Times, Serif" SIZE="2">.07%</FONT></TD>
    <TD ALIGN="RIGHT" nowrap bgcolor="#66ffff">&nbsp;</TD>
    <TD ALIGN="RIGHT" nowrap bgcolor="#66ffff"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">1</FONT><FONT FACE="Times New Roman, Times, Serif" SIZE="2">.01%</FONT></TD>
  </TR>
  <TR VALIGN="BOTTOM">
    <TD ALIGN="LEFT" nowrap><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Allowance
      for loan losses to nonperforming loans <sup>(4)</sup></FONT></TD>
    <TD ALIGN="LEFT" nowrap><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT" nowrap><FONT FACE="Times New Roman, Times, Serif" SIZE="2">152</FONT><FONT FACE="Times New Roman, Times, Serif" SIZE="2">.52%</FONT></TD>
    <TD ALIGN="RIGHT" nowrap>&nbsp;</TD>
    <TD ALIGN="RIGHT" nowrap><FONT FACE="Times New Roman, Times, Serif" SIZE="2">114</FONT><FONT FACE="Times New Roman, Times, Serif" SIZE="2">.87%</FONT></TD>
    <TD ALIGN="RIGHT" nowrap>&nbsp;</TD>
    <TD ALIGN="RIGHT" nowrap><FONT FACE="Times New Roman, Times, Serif" SIZE="2">152</FONT><FONT FACE="Times New Roman, Times, Serif" SIZE="2">.52%</FONT></TD>
    <TD ALIGN="RIGHT" nowrap>&nbsp;</TD>
    <TD ALIGN="RIGHT" nowrap><FONT FACE="Times New Roman, Times, Serif" SIZE="2">114</FONT><FONT FACE="Times New Roman, Times, Serif" SIZE="2">.87%</FONT></TD>
  </TR>
  <TR VALIGN="BOTTOM">
    <TD ALIGN="LEFT" nowrap>&nbsp;</TD>
    <TD ALIGN="LEFT" nowrap>&nbsp;</TD>
  </TR>
  <TR VALIGN="BOTTOM">
    <TD ALIGN="LEFT" nowrap><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><strong>Capital
      Ratios:</strong></FONT></TD>
    <TD ALIGN="LEFT" nowrap><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
  </TR>
  <TR VALIGN="BOTTOM">
    <TD ALIGN="LEFT" nowrap bgcolor="#66ffff"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Leverage
      ratio</FONT></TD>
    <TD ALIGN="LEFT" nowrap bgcolor="#66ffff"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT" nowrap bgcolor="#66ffff"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">8</FONT><FONT FACE="Times New Roman, Times, Serif" SIZE="2">.32%</FONT></TD>
    <TD ALIGN="RIGHT" nowrap bgcolor="#66ffff">&nbsp;</TD>
    <TD ALIGN="RIGHT" nowrap bgcolor="#66ffff"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">8</FONT><FONT FACE="Times New Roman, Times, Serif" SIZE="2">.62%</FONT></TD>
    <TD ALIGN="RIGHT" nowrap bgcolor="#66ffff">&nbsp;</TD>
    <TD ALIGN="RIGHT" nowrap bgcolor="#66ffff"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">8</FONT><FONT FACE="Times New Roman, Times, Serif" SIZE="2">.32%</FONT></TD>
    <TD ALIGN="RIGHT" nowrap bgcolor="#66ffff">&nbsp;</TD>
    <TD ALIGN="RIGHT" nowrap bgcolor="#66ffff"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">8</FONT><FONT FACE="Times New Roman, Times, Serif" SIZE="2">.62%</FONT></TD>
  </TR>
  <TR VALIGN="BOTTOM">
    <TD ALIGN="LEFT" nowrap><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Average
      shareholders' equity to average total assets</FONT></TD>
    <TD ALIGN="LEFT" nowrap><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT" nowrap><FONT FACE="Times New Roman, Times, Serif" SIZE="2">6</FONT><FONT FACE="Times New Roman, Times, Serif" SIZE="2">.77%</FONT></TD>
    <TD ALIGN="RIGHT" nowrap>&nbsp;</TD>
    <TD ALIGN="RIGHT" nowrap><FONT FACE="Times New Roman, Times, Serif" SIZE="2">6</FONT><FONT FACE="Times New Roman, Times, Serif" SIZE="2">.92%</FONT></TD>
    <TD ALIGN="RIGHT" nowrap>&nbsp;</TD>
    <TD ALIGN="RIGHT" nowrap><FONT FACE="Times New Roman, Times, Serif" SIZE="2">6</FONT><FONT FACE="Times New Roman, Times, Serif" SIZE="2">.77%</FONT></TD>
    <TD ALIGN="RIGHT" nowrap>&nbsp;</TD>
    <TD ALIGN="RIGHT" nowrap><FONT FACE="Times New Roman, Times, Serif" SIZE="2">6</FONT><FONT FACE="Times New Roman, Times, Serif" SIZE="2">.92%</FONT></TD>
  </TR>
  <TR VALIGN="BOTTOM">
    <TD ALIGN="LEFT" nowrap bgcolor="#66ffff"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Tier
      1 risk-based capital ratio</FONT></TD>
    <TD ALIGN="LEFT" nowrap bgcolor="#66ffff"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT" nowrap bgcolor="#66ffff"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">12</FONT><FONT FACE="Times New Roman, Times, Serif" SIZE="2">.10%</FONT></TD>
    <TD ALIGN="RIGHT" nowrap bgcolor="#66ffff">&nbsp;</TD>
    <TD ALIGN="RIGHT" nowrap bgcolor="#66ffff"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">12</FONT><FONT FACE="Times New Roman, Times, Serif" SIZE="2">.06%</FONT></TD>
    <TD ALIGN="RIGHT" nowrap bgcolor="#66ffff">&nbsp;</TD>
    <TD ALIGN="RIGHT" nowrap bgcolor="#66ffff"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">12</FONT><FONT FACE="Times New Roman, Times, Serif" SIZE="2">.10%</FONT></TD>
    <TD ALIGN="RIGHT" nowrap bgcolor="#66ffff">&nbsp;</TD>
    <TD ALIGN="RIGHT" nowrap bgcolor="#66ffff"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">12</FONT><FONT FACE="Times New Roman, Times, Serif" SIZE="2">.06%</FONT></TD>
  </TR>
  <TR VALIGN="BOTTOM">
    <TD ALIGN="LEFT" nowrap><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Total
      risk-based capital ratio</FONT></TD>
    <TD ALIGN="LEFT" nowrap><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
    <TD ALIGN="RIGHT" nowrap><FONT FACE="Times New Roman, Times, Serif" SIZE="2">13</FONT><FONT FACE="Times New Roman, Times, Serif" SIZE="2">.18%</FONT></TD>
    <TD ALIGN="RIGHT" nowrap>&nbsp;</TD>
    <TD ALIGN="RIGHT" nowrap><FONT FACE="Times New Roman, Times, Serif" SIZE="2">13</FONT><FONT FACE="Times New Roman, Times, Serif" SIZE="2">.12%</FONT></TD>
    <TD ALIGN="RIGHT" nowrap>&nbsp;</TD>
    <TD ALIGN="RIGHT" nowrap><FONT FACE="Times New Roman, Times, Serif" SIZE="2">13</FONT><FONT FACE="Times New Roman, Times, Serif" SIZE="2">.18%</FONT></TD>
    <TD ALIGN="RIGHT" nowrap>&nbsp;</TD>
    <TD ALIGN="RIGHT" nowrap><FONT FACE="Times New Roman, Times, Serif" SIZE="2">13</FONT><FONT FACE="Times New Roman, Times, Serif" SIZE="2">.12%</FONT></TD>
  </TR>
</TABLE>

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<P>__________ </P>
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<P ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="2"><SUP>(1)</sup> Net
earnings per share is based upon the weighted average number of common  shares
outstanding during the period. </FONT></FONT> </P>

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<P ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="2"><SUP>(2)</SUP>
Calculated by dividing total noninterest expenses by net interest income plus   noninterest
income, excluding securities losses or gains. </FONT></FONT> </P>

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<P ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="2"><SUP>(3)</SUP>  At
period end, except net loan charge-offs to average loans.</FONT></FONT> </P>

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<P ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="2"><SUP>(4)</SUP>
Nonperforming  loans consist of nonaccrual loans, loans contractually past due 90 days or
more  and  restructured loans. </FONT></FONT> </P>



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