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	<cass:IncreaseDecreaseInInterestBearingDemandAndSavingsDeposits contextRef="Context_FYE_31-Dec-2009" unitRef="USD" decimals="-3">104390000</cass:IncreaseDecreaseInInterestBearingDemandAndSavingsDeposits>
	<cass:IncreaseDecreaseInInterestBearingDemandAndSavingsDeposits contextRef="Context_FYE_31-Dec-2010" unitRef="USD" decimals="-3">39392000</cass:IncreaseDecreaseInInterestBearingDemandAndSavingsDeposits>
	<cass:IncreaseDecreaseInInterestBearingDemandAndSavingsDeposits contextRef="Context_FYE_31-Dec-2011" unitRef="USD" decimals="-3">36956000</cass:IncreaseDecreaseInInterestBearingDemandAndSavingsDeposits>
	<us-gaap:IncreaseDecreaseInTimeDeposits contextRef="Context_FYE_31-Dec-2009" unitRef="USD" decimals="-3">46094000</us-gaap:IncreaseDecreaseInTimeDeposits>
	<us-gaap:IncreaseDecreaseInTimeDeposits contextRef="Context_FYE_31-Dec-2010" unitRef="USD" decimals="-3">41376000</us-gaap:IncreaseDecreaseInTimeDeposits>
	<us-gaap:IncreaseDecreaseInTimeDeposits contextRef="Context_FYE_31-Dec-2011" unitRef="USD" decimals="-3">-26037000</us-gaap:IncreaseDecreaseInTimeDeposits>
	<cass:IncreaseDecreaseInAccountsAndDraftsPayable contextRef="Context_FYE_31-Dec-2009" unitRef="USD" decimals="-3">48774000</cass:IncreaseDecreaseInAccountsAndDraftsPayable>
	<cass:IncreaseDecreaseInAccountsAndDraftsPayable contextRef="Context_FYE_31-Dec-2010" unitRef="USD" decimals="-3">-85856000</cass:IncreaseDecreaseInAccountsAndDraftsPayable>
	<cass:IncreaseDecreaseInAccountsAndDraftsPayable contextRef="Context_FYE_31-Dec-2011" unitRef="USD" decimals="-3">-79094000</cass:IncreaseDecreaseInAccountsAndDraftsPayable>
	<us-gaap:PaymentsOfDividendsCommonStock contextRef="Context_FYE_31-Dec-2009" unitRef="USD" decimals="-3">4925000</us-gaap:PaymentsOfDividendsCommonStock>
	<us-gaap:PaymentsOfDividendsCommonStock contextRef="Context_FYE_31-Dec-2010" unitRef="USD" decimals="-3">5448000</us-gaap:PaymentsOfDividendsCommonStock>
	<us-gaap:PaymentsOfDividendsCommonStock contextRef="Context_FYE_31-Dec-2011" unitRef="USD" decimals="-3">6279000</us-gaap:PaymentsOfDividendsCommonStock>
	<us-gaap:ProceedsFromPaymentsForOtherFinancingActivities contextRef="Context_FYE_31-Dec-2009" unitRef="USD" decimals="-3">-260000</us-gaap:ProceedsFromPaymentsForOtherFinancingActivities>
	<us-gaap:ProceedsFromPaymentsForOtherFinancingActivities contextRef="Context_FYE_31-Dec-2010" unitRef="USD" decimals="-3">-291000</us-gaap:ProceedsFromPaymentsForOtherFinancingActivities>
	<us-gaap:ProceedsFromPaymentsForOtherFinancingActivities contextRef="Context_FYE_31-Dec-2011" unitRef="USD" decimals="-3">-161000</us-gaap:ProceedsFromPaymentsForOtherFinancingActivities>
	<us-gaap:NetCashProvidedByUsedInFinancingActivities contextRef="Context_FYE_31-Dec-2009" unitRef="USD" decimals="-3">106376000</us-gaap:NetCashProvidedByUsedInFinancingActivities>
	<us-gaap:NetCashProvidedByUsedInFinancingActivities contextRef="Context_FYE_31-Dec-2010" unitRef="USD" decimals="-3">160364000</us-gaap:NetCashProvidedByUsedInFinancingActivities>
	<us-gaap:NetCashProvidedByUsedInFinancingActivities contextRef="Context_FYE_31-Dec-2011" unitRef="USD" decimals="-3">102432000</us-gaap:NetCashProvidedByUsedInFinancingActivities>
	<us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease contextRef="Context_FYE_31-Dec-2009" unitRef="USD" decimals="-3">49809000</us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease>
	<us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease contextRef="Context_FYE_31-Dec-2010" unitRef="USD" decimals="-3">59635000</us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease>
	<us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease contextRef="Context_FYE_31-Dec-2011" unitRef="USD" decimals="-3">97033000</us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease>
	<us-gaap:CashAndCashEquivalentsAtCarryingValue contextRef="Context_As_Of_31-Dec-2010" unitRef="USD" decimals="-3">138929000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
	<us-gaap:CashAndCashEquivalentsAtCarryingValue contextRef="Context_As_Of_31-Dec-2011" unitRef="USD" decimals="-3">235962000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
	<us-gaap:CashAndCashEquivalentsAtCarryingValue contextRef="Context_As_Of_31-Dec-2008" unitRef="USD" decimals="-3">29485000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
	<us-gaap:CashAndCashEquivalentsAtCarryingValue contextRef="Context_As_Of_31-Dec-2009" unitRef="USD" decimals="-3">79294000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
	<us-gaap:InterestPaidNet contextRef="Context_FYE_31-Dec-2009" unitRef="USD" decimals="-3">5128000</us-gaap:InterestPaidNet>
	<us-gaap:InterestPaidNet contextRef="Context_FYE_31-Dec-2010" unitRef="USD" decimals="-3">4893000</us-gaap:InterestPaidNet>
	<us-gaap:InterestPaidNet contextRef="Context_FYE_31-Dec-2011" unitRef="USD" decimals="-3">4424000</us-gaap:InterestPaidNet>
	<us-gaap:IncomeTaxesPaidNet contextRef="Context_FYE_31-Dec-2009" unitRef="USD" decimals="-3">5677000</us-gaap:IncomeTaxesPaidNet>
	<us-gaap:IncomeTaxesPaidNet contextRef="Context_FYE_31-Dec-2010" unitRef="USD" decimals="-3">7934000</us-gaap:IncomeTaxesPaidNet>
	<us-gaap:IncomeTaxesPaidNet contextRef="Context_FYE_31-Dec-2011" unitRef="USD" decimals="-3">6287000</us-gaap:IncomeTaxesPaidNet>
	<us-gaap:GoodwillAndIntangibleAssetsDisclosureTextBlock contextRef="Context_FYE_31-Dec-2011">&lt;p align="justify"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Note 6&lt;br /&gt;&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Acquired Intangible Assets&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;The Company accounts for intangible assets in accordance with FASB ASC 350, &amp;#8220;Goodwill and Other Intangible Assets,&amp;#8221; which requires that intangibles with indefinite useful lives be tested annually for impairment and those with finite useful lives be amortized over their useful lives. Details of the Company&amp;#8217;s intangible assets are as follows: &lt;/font&gt;&lt;/p&gt;
&lt;table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0"&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="77%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="10%" colspan="6"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;December 31, 2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="10%" colspan="6"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;December 31, 2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="77%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Gross Carrying&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="5%" colspan="3"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Accumulated&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Gross Carrying&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="5%" colspan="3"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Accumulated&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="77%"&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;(In thousands)&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="5%" colspan="3"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Amortization&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="5%" colspan="3"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Amortization&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="77%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Assets eligible for amortization:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="77%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Customer List&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;750&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(589&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;750&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(482&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="77%"
 bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Total&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;750&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(589&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;750&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(482&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="77%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Unamortized intangible assets:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="77%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Goodwill&lt;sup&gt;1&lt;/sup&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;7,698&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(227&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;7,698&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(227&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="77%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Total unamortized intangibles&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;7,698&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(227&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;7,698&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(227&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;"
 nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="77%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Total intangible assets&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;8,448&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(816&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;8,448&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(709&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;table style="text-align: justify;" cellspacing="0" cellpadding="0" border="0"&gt;
&lt;tr&gt;
&lt;td valign="top" nowrap="nowrap"&gt;&lt;sup&gt;&lt;font style="font-family:times new roman" size="2"&gt;1&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;
&lt;td valign="top" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-top: #ffffff 2pt solid;" width="100%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Amortization through December 31, 2001 prior to adoption of FASB ASC 350&lt;font style="font-family:times new roman" size="1"&gt;.&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;The customer list that was acquired in the NTransit purchase is amortized over seven years on a straight-line basis. The weighted average remaining amortization period at December 31, 2011 was two years for all amortized intangible assets combined. Amortization of intangible assets amounted to $107,000, $107,00 and $222,000 for the years ended December 31, 2011, 2010 and 2009, respectively. Estimated future amortization of intangibles is as follows: $107,000 in 2012 and $54,000 in 2013. &lt;/font&gt;&lt;/p&gt;</us-gaap:GoodwillAndIntangibleAssetsDisclosureTextBlock>
	<us-gaap:EarningsPerShareTextBlock contextRef="Context_FYE_31-Dec-2011">&lt;p align="justify"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Note 9&lt;br /&gt;&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Common Stock and Earnings per Share&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;The table below shows activity in the outstanding shares of the Company&amp;#8217;s common stock during 2011.&lt;/font&gt;&lt;/p&gt;
&lt;table style="width: 60%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0"&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="96%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="96%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Shares outstanding at January 1&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;9,387,791&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="96%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;10% stock dividend issued December 15, 2011&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;940,839&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="96%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Issuance of common stock:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="96%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Issued under stock-based compensation plan&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;21,195&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="96%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Stock options/SARs exercised&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;8,105&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="96%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Shares outstanding at December 31&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;10,357,930&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;div&gt;&amp;#160;&lt;/div&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Basic earnings per share is computed by dividing net income by the weighted average number of common shares outstanding. Diluted earnings per share is computed by dividing net income, adjusted for the net income effect of the interest expense on the outstanding convertible debentures, by the sum of the weighted average number of common shares outstanding and the weighted average number of potential common shares outstanding. Under the treasury stock method, outstanding stock options and SARs are dilutive when the average market price of the Company&amp;#8217;s common stock, combined with the effect of any unamortized compensation expense, exceeds the option price during a period. In addition, proceeds from the assumed exercise of dilutive options along with the related tax benefit are assumed to be used to repurchase common shares at the average market price of such stock during the period. Anti-dilutive shares are those option shares with exercise prices in excess of the current market value.&lt;/font&gt;&lt;/p&gt;
&lt;div align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;The calculations of basic and diluted earnings per share are as follows:&lt;/font&gt;&lt;/div&gt;
&lt;div align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&lt;/font&gt;&amp;#160;&lt;/div&gt;
&lt;table style="width: 100%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0"&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="82%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="17%" colspan="8"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="82%"&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;(In thousands except share and per share data)&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="6%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="5%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2009&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Basic&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="4%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="82%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Net income&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman"
 size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;23,009&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;20,310&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="4%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;16,129&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Weighted-average common shares outstanding&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;10,297,244&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;10,268,812&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="4%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;10,072,340&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="82%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Basic earnings per share&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2.23&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1.98&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="4%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1.60&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Diluted&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="4%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="82%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Basic net income&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;23,009&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;20,310&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="4%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;16,129&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Net income effect of 5.33% convertible&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="4%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman"
 size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;debentures&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="4%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;55&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="82%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Diluted net income&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;23,009&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;20,310&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="4%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;16,184&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Weighted-average common shares outstanding&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;10,297,244&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;10,268,812&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="4%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;10,072,340&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="82%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Effect of dilutive restricted stock, stock&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="4%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="82%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;options and SARs&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;135,138&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;123,521&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="4%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;136,862&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Effect of convertible debentures&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="4%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;102,274&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="82%"&gt;&lt;font style="font-family:times new roman"
 size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Weighted-average common shares outstanding&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="4%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="82%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;assuming dilution&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;10,432,382&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;10,392,333&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="4%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;10,311,476&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Diluted earnings per share&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2.21&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1.95&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="4%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1.57&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;div&gt;&amp;#160;&lt;/div&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;All share and per share data have been restated to give effect to the 10% stock dividend issued on December 15, 2011.&lt;/font&gt;&lt;/p&gt;</us-gaap:EarningsPerShareTextBlock>
	<us-gaap:SegmentReportingDisclosureTextBlock contextRef="Context_FYE_31-Dec-2011">&lt;p align="justify"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Note 16&lt;br /&gt;&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Industry Segment Information&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;The services provided by the Company are classified into two reportable segments: Information Services and Banking Services. Each of these segments provides distinct services that are marketed through different channels. They are managed separately due to their unique service, processing and capital requirements. The Information Services segment provides transportation, utility, telecommunication and invoice processing and payment services to large corporations. The Banking Services segment provides banking services primarily to privately held businesses and churches.&lt;/font&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;The Company&amp;#8217;s accounting policies for segments are the same as those described in Note 1 of this report. Management evaluates segment performance based on net income after allocations for corporate expenses and income taxes. Transactions between segments are accounted for at what management believes to be fair value.&lt;/font&gt;&lt;font style="font-family:times new roman" size="1"&gt; &lt;/font&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Substantially all revenue originates from and all long-lived assets are located within the United States and no revenue from any customer of any segment exceeds 10% of the Company&amp;#8217;s consolidated revenue. Assets represent actual assets owned by Information Services and there is no allocation methodology used. Loans are sold by Banking Services to Information Services to create liquidity when the Bank&amp;#8217;s loan to deposit ratio is greater than 100%. Segment interest from customers is the actual interest earned on the loans owned by Information Services and Banking Services, respectively. &lt;/font&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Summarized information about the Company&amp;#8217;s operations in each industry segment for the years ended December 31, 2011, 2010 and 2009, is as follows: &lt;/font&gt;&lt;/p&gt;
&lt;table style="width: 100%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0"&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="73%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="10%" colspan="3"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Corporate,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="73%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Information&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="5%" colspan="3"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Banking&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="10%" colspan="3"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Eliminations&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="73%"&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;(In thousands)&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Services&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="5%" colspan="3"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Services&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="10%" colspan="3"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;and Other&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="73%" bgcolor="#c0c0c0"&gt;&lt;b&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;2011&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="8%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="73%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Fee revenue and other income:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"
 nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="8%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="73%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Income from customers&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;61,470&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,354&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="8%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;62,824&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="73%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Intersegment income (expense)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;10,088&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,859&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="8%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(11,947&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="73%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Net interest income (expense) after provision&lt;br /&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;for loan losses:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="8%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="73%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Income from customers&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;21,030&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;22,681&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="8%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;43,711&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="73%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Intersegment income (expense)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;17&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(17&lt;/font&gt;&lt;/td&gt;
&lt;td
 align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="8%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="73%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Depreciation and amortization&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,874&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;164&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="8%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;24&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2,062&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="73%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Income taxes&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;3,028&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;5,469&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="8%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;8,497&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="73%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Net income&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;14,716&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;8,293&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="8%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;23,009&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="73%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Goodwill&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;7,335&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;136&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="8%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;7,471&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="73%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Other intangible assets, net&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;161&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="8%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;161&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="73%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman"
 size="2"&gt;Total assets&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;698,685&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;622,996&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="8%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(2,380&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,319,301&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="73%"&gt;&lt;b&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;2010&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="8%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="73%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Fee revenue and other income:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="8%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="73%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Income from customers&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;54,732&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,414&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="8%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;56,146&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="73%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Intersegment income (expense)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;8,939&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,656&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="8%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(10,595&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td
 align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="73%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Net interest income (expense) after provision&lt;br /&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;for loan losses:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="8%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="73%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Income from customers&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;19,381&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;20,690&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="8%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;40,071&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="73%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Intersegment income (expense)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;23&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(23&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="8%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="73%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Depreciation and amortization&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,875&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;242&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="8%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;14&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2,131&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="73%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Income taxes&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2,955&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;4,668&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="8%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;7,623&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="73%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Net income&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;13,220&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman"
 size="2"&gt;7,090&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="8%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;20,310&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="73%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Goodwill&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;7,335&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;136&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="8%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;7,471&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="73%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Other intangible assets, net&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;268&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="8%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;268&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="73%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Total assets&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;612,981&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;580,948&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="8%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(5,894&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,188,035&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="73%" bgcolor="#c0c0c0"&gt;&lt;b&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;2009&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="8%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="73%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Fee revenue and other income:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap"
 width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="8%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="73%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Income from customers&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;49,913&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,325&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="8%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;51,238&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="73%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Intersegment income (expense)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;6,964&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,632&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="8%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(8,596&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="73%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Net interest income (expense) after provision&lt;br /&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;for loan losses:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="8%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="73%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Income from customers&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;19,220&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;17,461&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="8%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;36,681&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="73%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Intersegment income (expense)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;94&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(94&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="8%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td
 align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="73%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Depreciation and amortization&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2,147&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;305&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="8%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;13&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2,465&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="73%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Income taxes&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2,158&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;3,247&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="8%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;5,405&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="73%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Net income&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;11,047&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;5,082&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="8%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;16,129&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="73%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Goodwill&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;7,335&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;136&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="8%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;7,471&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="73%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Other intangible assets, net&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;375&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="8%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;375&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="73%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Total assets&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;527,897&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom:
 #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;496,286&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="8%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(11,202&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,012,981&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;div&gt;&amp;#160;&lt;/div&gt;</us-gaap:SegmentReportingDisclosureTextBlock>
	<us-gaap:LoansNotesTradeAndOtherReceivablesDisclosureTextBlock contextRef="Context_FYE_31-Dec-2011">&lt;p align="justify"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Note 4&lt;br /&gt;Loans&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;The Company originates commercial, industrial and real estate loans to businesses and churches throughout the metropolitan St. Louis, Missouri area, Orange County, California and other selected cities in the United States. The Company does not have any particular concentration of credit in any one economic sector; however, a substantial portion of the commercial and industrial loans are extended to privately-held commercial companies in these market areas, and are generally secured by the assets of the business. The Company also has a substantial portion of real estate loans secured by mortgages that are extended to churches in its market area and selected cities in the United States. &lt;/font&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;A summary of loan categories is as follows: &lt;/font&gt;&lt;/p&gt;
&lt;table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0"&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="90%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="9%" colspan="5"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="90%"&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;(In thousands)&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="90%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Commercial and industrial&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;136,916&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;135,061&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="90%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Real estate&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="90%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Commercial:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="90%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Mortgage&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;140,848&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;152,215&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="90%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;9,067&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;18,434&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="90%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Church, church-related:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="90%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Mortgage&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;347,726&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;365,378&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td
 align="left" nowrap="nowrap" width="90%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;36,497&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;36,318&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="90%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Other&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;511&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,227&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="90%" bgcolor="#ffffff"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Total loans&lt;font style="font-family:times new roman"&gt;&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#ffffff"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#ffffff"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#ffffff"&gt;&lt;font style="font-family:times new roman" size="2"&gt;671,565&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#ffffff"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#ffffff"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#ffffff"&gt;&lt;font style="font-family:times new roman" size="2"&gt;708,633&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;div&gt;&lt;font style="font-family:times new roman" size="2"&gt;&lt;/font&gt;&amp;#160;&lt;/div&gt;
&lt;div&gt;&lt;font style="font-family:times new roman" size="2"&gt;The following table presents the aging of loans by loan categories at December 31, 2011: &lt;/font&gt;&lt;/div&gt;
&lt;div&gt;&lt;font style="font-family:times new roman" size="2"&gt;&lt;/font&gt;&amp;#160;&lt;/div&gt;
&lt;table style="width: 100%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0"&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="69%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" width="14%" colspan="8"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Performing&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="14%" colspan="8"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Nonperforming&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="69%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;90 Days&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="69%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;30-59&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;60-89&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;and&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Non&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="69%"&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;(In thousands)&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Current&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap"
 width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Days&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Days&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Over&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Accrual&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Loans&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="69%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Commercial and industrial&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;136,850&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;10&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;56&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;136,916&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="69%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Real estate&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="69%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Commercial:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="69%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Mortgage&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;139,249&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;137&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font
 style="font-family:times new roman" size="2"&gt;29&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,433&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;140,848&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="69%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;9,067&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;9,067&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="69%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Church, church-related:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="69%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Mortgage&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;347,506&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;220&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;347,726&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="69%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;36,497&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;36,497&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap"
 width="69%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Other&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;511&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;511&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="69%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;669,680&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;137&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;10&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;29&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,709&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;671,565&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;div&gt;&amp;#160;&lt;/div&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;The following table presents the aging of loans by loan categories at December 31, 2010: &lt;/font&gt;&lt;/p&gt;
&lt;table style="width: 100%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0"&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="69%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" width="14%" colspan="8"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Performing&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="14%" colspan="8"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Nonperforming&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="69%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;"
 nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;90 Days&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="69%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;30-59&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;60-89&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;and&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Non&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="69%"&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;(In thousands)&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Current&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Days&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Days&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Over&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Accrual&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Loans&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="69%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Commercial and industrial&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;134,936&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;79&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;46&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;135,061&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="69%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Real estate&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="69%" bgcolor="#c0c0c0"&gt;&lt;font
 style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Commercial:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="69%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Mortgage&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;151,581&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;145&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;489&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;152,215&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="69%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;18,434&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;18,434&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="69%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Church, church-related:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="69%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Mortgage&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;363,424&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,924&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"
 bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;30&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;365,378&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="69%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;36,318&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;36,318&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="69%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Other&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,227&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,227&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="69%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;705,920&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2,148&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left"
 style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;565&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;708,633&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;div&gt;&amp;#160;&lt;/div&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;The following table presents the credit exposure of the loan portfolio by internally assigned credit grade as of December 31, 2011: &lt;/font&gt;&lt;/p&gt;
&lt;table style="width: 100%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0"&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="80%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Loans&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Performing&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Nonperforming&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="80%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Subject to&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Loans Subject to&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Loans Subject to&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="80%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Normal&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Special&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Special&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="80%"&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;(In thousands)&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Monitoring&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;&lt;sup&gt;1&lt;/sup&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Monitoring&lt;sup&gt;2&lt;/sup&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Monitoring&lt;sup&gt;2&lt;/sup&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Loans&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="80%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Commercial and industrial&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;132,475&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;4,385&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;56&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;136,916&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="80%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Real estate&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td
 align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="80%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Commercial:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="80%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Mortgage&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;125,850&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;13,536&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,462&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;140,848&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="80%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;9,067&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;9,067&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="80%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Church, church-related:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="80%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Mortgage&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;336,727&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;10,779&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;220&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;347,726&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="80%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;36,497&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td
 align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;36,497&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="80%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Other&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;511&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;511&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="80%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;641,127&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;28,700&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,738&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;671,565&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;div&gt;&amp;#160;&lt;/div&gt;
&lt;table style="text-align: justify;" cellspacing="0" cellpadding="0" border="0"&gt;
&lt;tr&gt;
&lt;td valign="top" nowrap="nowrap"&gt;&lt;sup&gt;&lt;font style="font-family:times new roman" size="2"&gt;1&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;
&lt;td valign="top" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="border-top: #ffffff 2pt solid;" width="100%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Loans subject to normal monitoring involve borrowers of acceptable-to-strong credit quality and risk, who have the apparent ability to satisfy their loan obligation.&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr&gt;
&lt;td valign="top" nowrap="nowrap"&gt;&lt;sup&gt;&lt;font style="font-family:times new roman" size="2"&gt;2&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;
&lt;td valign="top" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-top: #ffffff 2pt solid;" width="100%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Loans subject to special monitoring possess some credit deficiency or potential weakness which requires a high level of management attention.&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;div style="page-break-before: always;"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&lt;/font&gt;&amp;#160;&lt;/div&gt;
&lt;div style="page-break-before: always;"&gt;&lt;font style="font-family:times new roman" size="2"&gt;The following table presents the credit exposure of the loan portfolio by internally assigned credit grade as of December 31, 2010: &lt;/font&gt;&lt;/div&gt;
&lt;div style="page-break-before: always;"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&lt;/font&gt;&amp;#160;&lt;/div&gt;
&lt;table style="width: 100%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0"&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="80%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Loans&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Performing&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Nonperforming&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="80%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Subject to&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Loans Subject
 to&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Loans Subject to&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="80%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Normal&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Special&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Special&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="80%"&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;(In thousands)&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Monitoring&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;&lt;sup&gt;1&lt;/sup&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Monitoring&lt;sup&gt;2&lt;/sup&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Monitoring&lt;sup&gt;2&lt;/sup&gt;&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Loans&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="80%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Commercial and industrial&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;130,148&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;4,867&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;46&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;135,061&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="80%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Real estate&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="80%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Commercial:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="80%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Mortgage&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;143,009&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;8,717&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;489&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap"
 width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;152,215&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="80%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;18,434&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;18,434&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="80%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Church, church-related:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="80%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Mortgage&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;353,578&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;11,770&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;30&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;365,378&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="80%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;36,318&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;36,318&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="80%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Other&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,227&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,227&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="80%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right"
 style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;682,714&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;25,354&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;565&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;708,633&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;div&gt;&amp;#160;&lt;/div&gt;
&lt;table style="text-align: justify;" cellspacing="0" cellpadding="0" border="0"&gt;
&lt;tr&gt;
&lt;td valign="top" nowrap="nowrap"&gt;&lt;sup&gt;&lt;font style="font-family:times new roman" size="2"&gt;1&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;
&lt;td valign="top" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td style="border-top: #ffffff 2pt solid;" width="100%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Loans subject to normal monitoring involve borrowers of acceptable-to-strong credit quality and risk, who have the apparent ability to satisfy their loan obligation.&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr&gt;
&lt;td valign="top" nowrap="nowrap"&gt;&lt;sup&gt;&lt;font style="font-family:times new roman" size="2"&gt;2&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;
&lt;td valign="top" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-top: #ffffff 2pt solid;" width="100%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Loans subject to special monitoring possess some credit deficiency or potential weakness which requires a high level of management attention.&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Impaired loans consist primarily of nonaccrual loans, loans greater than 90 days past due and still accruing interest and troubled debt restructurings, both performing and non-performing. Troubled debt restructuring involves the granting of a concession to a borrower experiencing financial difficulty resulting in the modification of terms of the loan, such as changes in payment schedule or interest rate. The allowance for loan losses related to impaired loans was $1,066,000 and $120,000 at December 31, 2011 and 2010, respectively. There were no impaired loans without a valuation allowance at December 31, 2011 or 2010. Nonaccrual loans were $1,709,000 and $565,000 at December 31, 2011 and 2010, respectively. Loans delinquent 90 days or more and still accruing interest were $29,000 and $0 at December 31, 2011 and 2010, respectively. At December 31, 2011 there were two loans totaling $4,479,000 classified as troubled debt restructuring, with a total pre-modification loan balance of $4,486,000; there were no troubled debt restructurings at December 31, 2010. The average balances of impaired loans during 2011, 2010 and 2009 were $5,276,000 $1,130,000 and $1,568,000, respectively. Income that would have been recognized on non-accrual loans under the original terms of the contract was $107,000, $83,000 and $134,000 for 2011, 2010 and 2009, respectively. Income that was recognized on nonaccrual loans was $102,000, $35,000 and $131,000 for 2011, 2010 and 2009 respectively. There are two foreclosed loans with a book value of $1,689,000 which have been reclassified as other real estate owned (included in other assets) as of December 31, 2011.&lt;/font&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;The following table presents the recorded investment and unpaid principal balance for impaired loans at December 31, 2011: &lt;/font&gt;&lt;/p&gt;
&lt;table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0"&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="84%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Unpaid&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Related&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="84%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Recorded&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Principal&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Allowance for&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="84%"&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;(In thousands)&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Investment&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Balance&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font
 style="font-family:times new roman" size="2"&gt;Loan Losses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="84%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Commercial and industrial:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="84%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Nonaccrual&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;56&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;56&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;28&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="84%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Troubled debt restructurings still accruing&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;83&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;83&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;8&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="84%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Real estate&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="84%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Commercial &amp;#8211; Mortgage:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="84%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Nonaccrual&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,433&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,433&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;149&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="84%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Past due 90 days or more and still accruing&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;29&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;29&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="84%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Troubled debt restructurings still accruing&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;4,396&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right"
 nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;4,396&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;766&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="84%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Church &amp;#8211; Mortgage:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="84%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Nonaccrual&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;220&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;220&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;115&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="84%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Total impaired loans&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;6,217&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;6,217&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,066&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;div&gt;&amp;#160;&lt;/div&gt;
&lt;div style="page-break-before: always;"&gt;&lt;font style="font-family:times new roman" size="2"&gt;The following table presents the recorded investment and unpaid principal balance for impaired loans at December 31, 2010: &lt;/font&gt;&lt;/div&gt;
&lt;div style="page-break-before: always;"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&lt;/font&gt;&amp;#160;&lt;/div&gt;
&lt;table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0"&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="84%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Unpaid&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Related&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="84%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Recorded&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Principal&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Allowance for&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="84%"&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;(In thousands)&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Investment&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Balance&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td
 style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Loan Losses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="84%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Commercial and industrial:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="84%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Nonaccrual&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;46&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;46&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;5&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="84%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Troubled debt restructurings still accruing&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="84%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Real estate&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="84%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Commercial &amp;#8211; Mortgage:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="84%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Nonaccrual&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;489&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;489&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;100&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="84%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Church &amp;#8211; Mortgage:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="84%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Nonaccrual&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;30&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom:
 #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;30&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;15&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="84%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Total impaired loans&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;565&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;565&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;120&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;div&gt;&amp;#160;&lt;/div&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;The Company does not record loans at fair value on a recurring basis other than loans that are considered impaired. Once a loan is identified as impaired, management measures impairment in accordance with FASB ASC 310, &amp;#8220;Allowance for Credit Losses&amp;#8221;. At December 31, 2011, all impaired loans were evaluated based on the fair value of the collateral. The fair value of the collateral is based upon an observable market price or current appraised value and therefore, the Company classifies these assets as nonrecurring Level 2. The total principal balance of impaired loans measured at fair value at December 31,2011 and 2010 was $5,151,000 and $445,000. &lt;/font&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;A summary of the activity in the allowance for loan losses is as follows: &lt;/font&gt;&lt;/p&gt;
&lt;table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0"&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="73%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Charge-&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="73%"&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;(In thousands)&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Offs&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Recoveries&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="5%" colspan="3"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Provision&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="73%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Commercial and industrial&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2,732&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,118&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap"
 width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;58&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;922&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2,594&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="73%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Real estate&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="73%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Commercial:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="73%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Mortgage&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;3,356&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,420&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;4,776&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="73%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;269&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(102&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;167&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="73%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Church, church-related:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left"
 nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="73%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Mortgage&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;5,135&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;28&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(311&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;4,797&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="73%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;387&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;229&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;616&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="73%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Other&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;12&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(8&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;4&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="73%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;11,891&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,146&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left"
 style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;59&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2,150&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;12,954&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;div&gt;&amp;#160;&lt;/div&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Loan transactions involving executive officers and directors of the Company and its subsidiaries and loans to affiliates of executive officers and directors decreased during 2011 by $2,000 in payments, from an aggregate balance of $580,000 on January 1, 2011 to $578,000 at December 31, 2011. Such loans were made in the normal course of business on substantially the same terms, including interest rates and collateral, as those prevailing at the same time for comparable transactions with other persons, and did not involve more than the normal risk of collectability. &lt;/font&gt;&lt;/p&gt;</us-gaap:LoansNotesTradeAndOtherReceivablesDisclosureTextBlock>
	<us-gaap:CommitmentsAndContingenciesDisclosureTextBlock contextRef="Context_FYE_31-Dec-2011">&lt;p align="justify"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Note 14&lt;br /&gt;Contingencies&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;The Company is the defendant in a proceeding pending in the United States Bankruptcy Court for the District of Delaware, which proceeding was initiated by Chapter 11 debtor LNT Services, Inc. ("LNT"), an affiliate of Linens N' Things, on December 19, 2009. LNT seeks to avoid and recover $33,825,773.71 in allegedly preferential payments (the "Payments") made to the Company within 90 days preceding LNT&amp;#8217;s bankruptcy filing. The Company processed and paid the freight carrier bills for Linens N&amp;#8217; Things. The Payments were received by the Company in the normal course of providing services to Linens N' Things, and were subsequently paid by the Company to the appropriate Linens N&amp;#8217; Things freight carriers. In an attempt to secure a favorable result prior to filing an answer, the Company has provided the plaintiff with information and data which supports its primary defenses.&lt;/font&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;On September 28, 2010, Asentinel LLC ("Asentinel") filed a lawsuit in the United States District Court for the Western District of Tennessee against the Company, AnchorPoint, Inc. ("AnchorPoint") and Veramark Technologies, Inc. ("Veramark"). The suit alleges infringement of two Asentinel patents by the Company, AnchorPoint and Veramark. Cass vigorously denies infringing any valid claim of either patent. Asentinel has requested an order enjoining the Company from infringing the two patents at issue, damages for the alleged infringement, interest and costs, treble damages for willful infringement, and attorneys' fees. &lt;/font&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;While there is some uncertainty relating to any litigation, management is of the opinion that the Company has valid defenses to both these claims. All other legal proceedings and actions involving the Company are of an ordinary and routine nature and are incidental to the operations of the Company. Management believes the outcome of these proceedings, including the LNT and Asentinel proceedings, will not have a material effect on the businesses or financial conditions of the Company or its subsidiaries.&lt;/font&gt;&lt;/p&gt;</us-gaap:CommitmentsAndContingenciesDisclosureTextBlock>
	<us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock contextRef="Context_FYE_31-Dec-2011">&lt;p align="justify"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Note 11&lt;br /&gt;&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Stock-based Compensation&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt; &lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;In 2007, the Company&amp;#8217;s shareholders approved the Omnibus Incentive Stock Plan (&amp;#8220;the Omnibus Plan&amp;#8221;) to provide incentive opportunities for key employees and non-employee directors and to align the personal financial interests of such individuals with those of the Company&amp;#8217;s shareholders. The Omnibus Plan permits the issuance of up to 968,000 shares of the Company&amp;#8217;s common stock in the form of stock options, stock appreciation rights, restricted stock, restricted stock units and performance awards.&lt;/font&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;The Company also continues to maintain its other stock-based incentive plans for the restricted common stock previously awarded and the options previously issued and outstanding. Restricted shares are amortized to expense over the three-year vesting period. Options currently vest over a period not to exceed seven years. The plans authorize the grant of awards in the form of options intended to qualify as incentive stock options under Section 422 of the Internal Revenue Code, options that do not qualify (non-statutory stock options) and grants of restricted shares of common stock. The Company issues shares out of treasury stock for restricted shares and option exercises. These plans have been superseded by the Omnibus Plan and accordingly, all remaining unissued shares under these plans have been cancelled. &lt;/font&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;All share and per share data have been restated to give effect to the 10% stock dividend issued on December 15, 2011.&lt;/font&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;Restricted Stock&lt;br /&gt;&lt;/font&gt;&lt;/i&gt;&lt;font style="font-family:times new roman" size="2"&gt;Changes in restricted shares outstanding for the year ended December 31, 2011 were as follows: &lt;/font&gt;&lt;/p&gt;
&lt;table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0"&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="91%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Shares&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="3%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Fair Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="91%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Balance at December 31, 2010&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;55,297&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="2%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;25.92&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="91%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Granted&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;28,611&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="2%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;33.05&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="91%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Vested&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(31,438&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="2%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;25.84&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="91%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Balance at December 31, 2011&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;52,470&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="2%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;29.86&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;div&gt;&amp;#160;&lt;/div&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;During 2010 and 2009, 16,664 and 42,500 shares, respectively, were granted with weighted average per share market values at date of grant of $28.10 in 2010 and $24.82 in 2009. The fair value of such shares, which is based on the market price on the date of grant, is amortized to expense over the three-year
 vesting period. Amortization of the restricted stock bonus awards totaled $787,000 for 2011, $848,000 for 2010 and $1,194,000 for 2009. As of December 31, 2011, the total unrecognized compensation expense related to non-vested restricted stock awards was $897,000 and the related weighted average period over which it is expected to be recognized is approximately 0.80 years. &lt;/font&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;Stock Options &lt;br /&gt;&lt;/font&gt;&lt;/i&gt;&lt;font style="font-family:times new roman" size="2"&gt;Changes in options outstanding for the year ended December 31, 2011 were as follows: &lt;/font&gt;&lt;/p&gt;
&lt;table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0"&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="90%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Weighted Average&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="90%"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Shares&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Exercise Price&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="90%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Balance at December 31, 2010&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;40,290&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;16.05&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="90%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Exercised&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(9,662&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;13.22&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="90%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Balance at December 31, 2011&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;30,628&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;17.79&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="90%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Exercisable at December 31, 2011&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;26,954&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;17.65&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;div&gt;&amp;#160;&lt;/div&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;The total intrinsic value of options exercised during 2011 and 2010 was $212,000 and $159,000, respectively. The average remaining contractual term for options outstanding as of December 31, 2011 was 0.84 years and the aggregate intrinsic value was $545,000. The average remaining contractual term for options exercisable as of December 31, 2011 was 0.81 years and the aggregate intrinsic value was $505,000. &lt;/font&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;A summary of the activity of the non-vested options during 2011 is shown below.&lt;/font&gt;&lt;/p&gt;
&lt;table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0"&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="90%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;"
 nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Weighted Average&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="90%"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Shares&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Grant Date Fair Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="90%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Non-vested at December 31, 2010&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;13,684&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2.67&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="90%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Vested&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(10,010&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2.67&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="90%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Non-vested at December 31, 2011&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;3,674&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2.69&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;div&gt;&amp;#160;&lt;/div&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;As of December 31, 2011, the total unrecognized compensation expense related to non-vested stock options was $17,000 and the related weighted average period over which it is expected to be recognized is approximately 0.80 years. For the year ended December 31, 2011, there were 3,444 non-qualified options exercised and 6,218 incentive stock options exercised. During 2011, the Company recognized stock option expense of $27,000. &lt;/font&gt;&lt;/p&gt;
&lt;div style="page-break-before: always;"&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;Stock Appreciation Rights (SARs)&lt;br /&gt;&lt;/font&gt;&lt;/i&gt;&lt;font style="font-family:times new roman" size="2"&gt;There were 82,508 SARs granted during the year ended December 31, 2011. The Company uses the Black-Scholes option-pricing model to determine the fair value of the SARs at the date of grant. Following are the assumptions used to estimate the $9.05 per share fair value. &lt;/font&gt;&lt;/div&gt;
&lt;table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0"&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="90%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="8%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Year Ended December 31, 2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="90%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Risk-free interest rate&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="5%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2.70%&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="90%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Expected life&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="5%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;7 yrs.&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="90%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Expected volatility&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="5%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;27.86%&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="90%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Expected dividend yield&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;"
 nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="5%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1.77%&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;div&gt;&amp;#160;&lt;/div&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;The risk-free interest rate is based on the zero-coupon U.S. Treasury yield for the period equal to the expected life of the options at the time of the grant. The expected life was derived using the historical exercise activity. The Company uses historical volatility for a period equal to the expected life of the options using average monthly closing market prices of the Company&amp;#8217;s stock. The expected dividend yield is determined based on the Company&amp;#8217;s current rate of annual dividends. &lt;/font&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;During 2011, the Company recognized SARs expense of $577,000. As of December 31, 2011, the total unrecognized compensation expense related to stock appreciation rights was $616,000, and the related weighted average period over which it is expected to be recognized is 0.60 years. Changes in SARs outstanding for the year ended December 31, 2011 were as follows: &lt;/font&gt;&lt;/p&gt;
&lt;table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0"&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="85%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Shares&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="9%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Weighted Average &lt;br /&gt;Exercise Price&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="85%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Balance at December 31, 2010&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;265,911&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;
&lt;p&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="8%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;24.85&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="85%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Granted&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;82,508&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="8%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;32.95&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="85%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Exercised&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(15,833&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="8%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;24.81&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="85%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Balance at December 31, 2011&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;332,586&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="8%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;26.87&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="85%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Exercisable at December 31, 2011&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;188,265&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="8%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;24.97&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;div&gt;&amp;#160;&lt;/div&gt;
&lt;p align="justify"&gt;&lt;font
 style="font-family:times new roman" size="2"&gt;The total intrinsic value of SARs exercised during 2011 and 2010 was $175,000 and $188,000, respectively. The average remaining contractual term for SARs outstanding as of December 31, 2011 was 7.42 years and the aggregate intrinsic value was $3,166,000. The average remaining contractual term for SARs exercisable as of December 31, 2011 was 3.76 years and the aggregate intrinsic value was $2,149,000.&lt;/font&gt;&lt;/p&gt;</us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock>
	<us-gaap:PensionAndOtherPostretirementBenefitsDisclosureTextBlock contextRef="Context_FYE_31-Dec-2011">&lt;p align="justify"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Note 10&lt;br /&gt;&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Employee Benefit Plans&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;Defined Benefit Plan&lt;br /&gt;&lt;/font&gt;&lt;/i&gt;&lt;font style="font-family:times new roman" size="2"&gt;The Company has a noncontributory defined-benefit pension plan (the &amp;#8220;Plan&amp;#8221;), which covers most of its employees. The Company accrues and makes contributions designed to fund normal service costs on a current basis using the projected unit credit with service proration method to amortize prior service costs arising from improvements in pension benefits and qualifying service prior to the establishment of the plan over a period of approximately 30 years.&lt;/font&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;A summary of the activity in the Plan&amp;#8217;s projected benefit obligation, assets, funded status and amounts recognized in the Company&amp;#8217;s consolidated balance sheets is as follows: &lt;/font&gt;&lt;/p&gt;
&lt;table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0"&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="88%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="11%" colspan="7"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="88%"&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;(In thousands)&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="5%" colspan="3"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="5%" colspan="3"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="88%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Projected benefit obligation:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="88%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Balance, January 1&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;43,337&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;36,588&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="88%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Service cost&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2,073&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,771&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="88%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Interest cost&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2,423&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2,290&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="88%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Actuarial loss&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;7,357&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;3,853&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="88%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Benefits paid&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(1,218&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt
 solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(1,165&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="88%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Balance, December 31&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;53,972&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;43,337&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="88%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Plan assets:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="88%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Fair value, January 1&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;45,427&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;33,362&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="88%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Actual return&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;686&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;3,880&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="88%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Employer contribution&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;9,000&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;9,350&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="88%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Benefits paid&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(1,218&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(1,165&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="88%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Fair value, December 31&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;53,895&lt;/font&gt;&lt;/td&gt;
&lt;td
 align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;45,427&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="88%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Funded status:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="88%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Accrued pension asset (liability)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(77&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2,090&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;div&gt;&amp;#160;&lt;/div&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;The following represent the major assumptions used to determine the projected benefit obligation of the Plan. For 2011, 2010 and 2009 the Plan&amp;#8217;s expected benefit cash flows were discounted using the Citibank Above Median Curve.&lt;/font&gt;&lt;/p&gt;
&lt;table style="width: 100%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0"&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="28%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="42%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="10%"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="9%"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="8%"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2009&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="28%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Weighted average discount rate&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="42%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="10%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;4.75%&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="9%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;5.75%&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="8%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;6.25%&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="28%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Rate of increase in compensation levels&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="42%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="10%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;4.00%&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="9%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;4.00%&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="8%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;4.00%&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;div&gt;&amp;#160;&lt;/div&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;The accumulated benefit obligation was $43,421,000 and $34,881,000 as of December 31, 2011 and 2010, respectively. The Company expects to contribute approximately $3,000,000 to the Plan in 2012. The following pension benefit payments, which reflect expected future service, as appropriate, are expected to be paid by the Plan: &lt;/font&gt;&lt;/p&gt;
&lt;table style="width: 60%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0"&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="96%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="96%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2012&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman"
 size="2"&gt;1,315,000&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="96%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2013&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,359,000&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="96%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2014&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,512,000&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="96%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2015&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,640,000&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="96%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2016&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,855,000&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="96%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2017-2021&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;13,025,000&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;div&gt;&lt;font style="font-family:times new roman" size="2"&gt;&lt;/font&gt;&amp;#160;&lt;/div&gt;
&lt;div&gt;&lt;font style="font-family:times new roman" size="2"&gt;The Plan&amp;#8217;s pension cost included the following components: &lt;/font&gt;&lt;/div&gt;
&lt;div&gt;&lt;font style="font-family:times new roman" size="2"&gt;&lt;/font&gt;&amp;#160;&lt;/div&gt;
&lt;table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0"&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="82%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="17%" colspan="11"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;For the Year Ended&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="82%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="17%" colspan="11"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="82%"&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;(In thousands)&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="5%" colspan="3"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="5%" colspan="3"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="5%" colspan="3"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2009&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Service cost &amp;#8211; benefits earned during the year&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2,073&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,771&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,606&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="82%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Interest cost on projected benefit obligations&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2,423&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2,290&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2,080&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Expected return on plan assets&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(3,314&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(2,440&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"
 bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(1,880&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="82%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Net amortization and deferral&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;603&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;616&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;873&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Net periodic pension cost&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,785&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2,237&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2,679&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;div&gt;&amp;#160;&lt;/div&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;The following represent the major assumptions used to determine the net pension cost of the Plan: &lt;/font&gt;&lt;/p&gt;
&lt;table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0"&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="67%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="10%"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="10%"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="10%"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2009&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="67%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Weighted average discount rate&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="10%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;5.75%&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="10%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;6.25%&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="10%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;6.50%&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="67%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Rate of increase in compensation levels&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="10%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;4.00%&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="10%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;4.00%&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="10%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;4.00%&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="67%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Expected long-term rate of return on assets&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="10%" bgcolor="#c0c0c0"&gt;&lt;font
 style="font-family:times new roman" size="2"&gt;7.25%&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="10%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;7.25%&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="10%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;7.25%&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;div&gt;&amp;#160;&lt;/div&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;The investment objective for the Plan is to maximize total return with a tolerance for average risk. Asset allocation is a balance between fixed income and equity investments, with a target allocation of approximately 50% fixed income, 34% US equity and 16% Non-US equity. Due to volatility in the market, this target allocation is not always desirable and asset allocations can fluctuate between acceptable ranges. The fixed income component is invested in pooled investment grade securities. The equity components are invested in pooled large cap, small/mid cap and Non-US stocks. The&lt;/font&gt;&lt;font style="font-family:times new roman"&gt; &lt;/font&gt;&lt;font style="font-family:times new roman" size="2"&gt;assumed long-term rate of return on assets, which falls within the expected range, is 7.25% as derived below: &lt;/font&gt;&lt;/p&gt;
&lt;table style="width: 60%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0"&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="84%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Expected Long-Term&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="84%"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Asset Class&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Return on Class&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;X&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Allocation&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;=&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Assumption&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="84%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Fixed Income&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;4 &amp;#8211; 6%&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;50%&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2.0 &amp;#8211; 3.0%&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="84%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;US Equity&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;5 &amp;#8211; 9%&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;34%&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1.7 &amp;#8211; 3.1%&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="84%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Non-US Equity&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;5 &amp;#8211; 10%&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;16%&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left"
 style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;0.8 &amp;#8211; 1.6%&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="84%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;4.5 &amp;#8211; 7.7%&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;div&gt;&amp;#160;&lt;/div&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;A summary of the fair value measurements by type of asset is as follows: &lt;/font&gt;&lt;/p&gt;
&lt;table style="width: 100%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0"&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="70%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="29%" colspan="17"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Fair Value Measurements as of December 31&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="70%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="14%" colspan="8"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="14%" colspan="8"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="70%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Quoted Prices&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Quoted Prices&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="70%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;in Active&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;in Active&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="70%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Markets for&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Significant&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Markets for&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Significant&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="70%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Identical&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Observable&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;"
 nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Identical&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Observable&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="70%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Assets&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Inputs&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Assets&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Inputs&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="70%"&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;(In thousands)&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;(Level 1)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;(Level 2)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;(Level 1)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;(Level 2)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="70%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Cash&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;219&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;219&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;203&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;203&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="70%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Equity securities&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="70%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;U. S. Large Cap Growth&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"
 bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;4,497&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;4,497&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;3,844&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;3,844&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="70%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;U. S. Large Cap Value&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;4,586&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;4,586&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;3,853&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;3,853&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="70%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;U. S. Small/Mid Cap Growth&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,856&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,856&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,594&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,594&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="70%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;U. S. Small/Mid Cap Value&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,888&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,888&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,597&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,597&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="70%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Non-U. S. Core&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;8,470&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td
 align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;8,470&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;7,236&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;7,236&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="70%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;U. S. Large Cap Passive&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;5,387&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;5,387&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;4,542&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;4,542&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="70%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Fixed Income&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="70%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;U. S. Core Opportunistic&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;19,410&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;19,410&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;16,227&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;16,227&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="70%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;U. S. Passive&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;7,582&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"
 bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;7,582&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;6,331&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;6,331&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="70%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Total&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;53,895&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;219&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;53,676&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;45,427&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;203&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;45,224&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;div&gt;&amp;#160;&lt;/div&gt;
&lt;p align="justify"&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;Supplemental Executive Retirement Plan&lt;br /&gt;&lt;/font&gt;&lt;/i&gt;&lt;font style="font-family:times new roman" size="2"&gt;The Company also has an unfunded supplemental executive retirement plan (&amp;#8220;SERP&amp;#8221;) which covers key executives of the Company. The SERP is a noncontributory plan in which the Company&amp;#8217;s subsidiaries make accruals designed to fund normal service costs on a current basis using the same method and criteria as the Plan. &lt;/font&gt;&lt;/p&gt;
&lt;div style="page-break-before: always;"&gt;&lt;font style="font-family:times new roman" size="2"&gt;A summary of the activity in the SERP&amp;#8217;s projected benefit obligation, funded status and amounts recognized in the Company&amp;#8217;s consolidated balance sheets is as follows: &lt;/font&gt;&lt;/div&gt;
&lt;div style="page-break-before: always;"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&lt;/font&gt;&amp;#160;&lt;/div&gt;
&lt;table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0"&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="92%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="7%" colspan="7"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="92%"&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;(In thousands)&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="3%" colspan="3"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="3%" colspan="3"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="92%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Benefit obligation:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left"
 nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="92%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Balance, January 1&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;5,479&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;5,369&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="92%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Service cost&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;89&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;78&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="92%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Interest cost&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;295&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;315&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="92%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Benefits paid&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(236&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(235&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="92%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Actuarial loss (gain)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,807&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(48&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="92%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Balance, December 31&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;7,434&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;5,479&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;div&gt;&amp;#160;&lt;/div&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;The following represent the major assumptions used to determine the projected benefit obligation of the SERP. For 2011, 2010 and 2009, the SERP&amp;#8217;s expected benefit cash flows were discounted using the Citigroup Above Median Curve.&lt;/font&gt;&lt;/p&gt;
&lt;table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0"&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="88%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom:
 #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="3%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="3%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="3%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2009&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="88%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Weighted average discount rate&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="2%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;4.50&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="2%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;5.50&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="2%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;6.00&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="88%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Rate of increase in compensation levels&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="2%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;4.00&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="2%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;4.00&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="2%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;4.00&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;div&gt;&amp;#160;&lt;/div&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;The accumulated benefit obligation was $5,109,000 and $4,136,000 as of December 31, 2011 and 2010, respectively. Since this is an unfunded plan there are no plan assets. Benefits paid were $236,000 in 2011, $235,000 in 2010 and $317,000 in 2009. Expected future benefits payable by the Company over the next 10 years are as follows: &lt;/font&gt;&lt;/p&gt;
&lt;table style="width: 60%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0"&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="96%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="96%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2012&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;236,000&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="96%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2013&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;235,000&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="96%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2014&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;234,000&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="96%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2015&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;233,000&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="96%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2016&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;245,000&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="96%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2017-2021&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,714,000&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;div&gt;&amp;#160;&lt;/div&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;The SERP&amp;#8217;s pension cost included the following components: &lt;/font&gt;&lt;/p&gt;
&lt;table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0"&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="88%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="11%" colspan="8"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;For the Year Ended December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="88%"&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;(In thousands)&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap"
 width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="3%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="3%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="3%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2009&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="88%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Service cost &amp;#8211; benefits earned during the year&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="2%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;89&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="2%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;78&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="2%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;33&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="88%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Interest cost on projected benefit obligations&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="2%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;295&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="2%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;315&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="2%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;278&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="88%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Net amortization and deferral&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="2%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;250&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="2%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;258&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="2%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;130&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="88%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Net periodic pension cost&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="2%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;634&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="2%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;651&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="2%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;441&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;div&gt;&amp;#160;&lt;/div&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;The pre-tax amounts in accumulated other comprehensive loss as of December 31, were as follows: &lt;/font&gt;&lt;/p&gt;
&lt;table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0"&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="88%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="5%" colspan="5"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;The Plan&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="5%" colspan="5"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;SERP&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="88%"&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;(In thousands)&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td
 style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="2%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="2%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="2%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="2%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="88%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Prior service cost&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;24&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;33&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;50&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="88%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Net actuarial loss&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;21,376&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;11,985&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;3,802&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2,194&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="88%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Total&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;21,400&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;12,018&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;3,802&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2,244&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;div&gt;&amp;#160;&lt;/div&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;The estimated pre-tax prior service cost and net actuarial loss in accumulated other comprehensive loss at December 31, 2011 expected to be recognized as components of net periodic benefit cost in 2012 for the Plan are $8,000 and $1,387,000, respectively. The estimated pre-tax prior service cost and net actuarial loss in accumulated other comprehensive loss at December 31, 2011, expected to be recognized as components of net periodic benefit cost in 2012 for SERP are $0 and $421,000 respectively. &lt;/font&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;font
 style="font-family:times new roman" size="2"&gt;The Company also maintains a noncontributory profit sharing plan, which covers most of its employees. Employer contributions are calculated based upon formulas which relate to current operating results and other factors. Profit sharing expense recognized in the consolidated statements of income in 2011, 2010 and 2009 was $5,270,000, $4,665,000, and $3,668,000, respectively. &lt;/font&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;The Company also sponsors a defined contribution 401(k) plan to provide additional retirement benefits to substantially all employees. Contributions under the 401(k) plan for 2011, 2010 and 2009 were $497,000, $450,000 and $470,000, respectively. &lt;/font&gt;&lt;/p&gt;</us-gaap:PensionAndOtherPostretirementBenefitsDisclosureTextBlock>
	<us-gaap:IncomeTaxDisclosureTextBlock contextRef="Context_FYE_31-Dec-2011">&lt;p align="justify"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Note 13&lt;br /&gt;Income Taxes&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;The components of income tax expense (benefit) are as follows: &lt;/font&gt;&lt;/p&gt;
&lt;table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0"&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="84%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="15%" colspan="9"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;For the Years Ended December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="84%"&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;(In thousands)&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="5%" colspan="3"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2009&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="84%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Current:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="84%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Federal&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;5,372&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;5,435&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;5,458&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="84%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;State&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;980&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;920&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;597&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="84%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Deferred:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="84%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Federal&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,983&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,178&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(602&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="84%"&gt;&lt;font style="font-family:times new roman"
 size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;State&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;162&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;90&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(48&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="84%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Total income tax expense&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;8,497&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;7,623&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;5,405&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;div&gt;&amp;#160;&lt;/div&gt;
&lt;div style="page-break-before: always;"&gt;&lt;font style="font-family:times new roman" size="2"&gt;A reconciliation of expected income tax expense (benefit), computed by applying the effective federal statutory rate of 35% for 2011, 35% for 2010 and 34% for 2009 to income before income tax expense, to reported income tax expense is as follows: &lt;/font&gt;&lt;/div&gt;
&lt;table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0"&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="82%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="17%" colspan="11"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;For the Years Ended December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="82%"&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;(In thousands)&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="5%" colspan="3"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="5%" colspan="3"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="5%" colspan="3"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2009&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Expected income tax expense&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;11,027&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;9,777&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;7,322&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="82%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(Reductions) increases resulting from:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap"
 width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Tax-exempt income&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(3,760&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(3,273&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(2,798&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="82%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;State taxes, net of federal benefit&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;742&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;657&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;694&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Other, net&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;488&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;462&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;187&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="82%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Total income tax expense&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;8,497&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;7,623&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;5,405&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;div&gt;&amp;#160;&lt;/div&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;The tax effects of temporary differences which give rise to significant portions of the deferred tax assets and deferred tax liabilities are presented below:&lt;/font&gt;&lt;/p&gt;
&lt;table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0"&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="92%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="7%" colspan="7"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="92%"&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;(In
 thousands)&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="3%" colspan="3"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="3%" colspan="3"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="92%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Deferred tax assets:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="92%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Allowance for loan losses&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;4,912&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;4,419&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="92%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;ASC 715 pension funding liability&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;9,679&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;5,452&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="92%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Net operating loss carryforward&lt;sup&gt;1&lt;/sup&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;384&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;421&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="92%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Stock compensation&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;834&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;731&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="92%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Supplemental executive retirement plan accrual&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;634&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;474&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="92%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Other&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;454&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;288&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="92%"&gt;&lt;font style="font-family:times new roman"
 size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Total deferred tax assets&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;16,897&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;11,785&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="92%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Deferred tax liabilities:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="92%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Premises and equipment&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(440&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(352&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="92%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Pension&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(7,327&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(4,499&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="92%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Intangible/assets&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(752&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(652&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="92%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Unrealized gain on investment in securities available-for-sale&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(6,922&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(3,024&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="92%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Other&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(315&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(300&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="92%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman"
 size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Total deferred tax liabilities&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(15,756&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(8,827&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="92%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Net deferred tax assets&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,141&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2,958&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;table style="text-align: justify;" cellspacing="0" cellpadding="0" border="0"&gt;
&lt;tr&gt;
&lt;td valign="top" nowrap="nowrap"&gt;&lt;/td&gt;
&lt;td valign="top" nowrap="nowrap"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td width="100%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr&gt;
&lt;td valign="top" nowrap="nowrap"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&lt;sup&gt;1&lt;/sup&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td valign="top" nowrap="nowrap"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-top: #ffffff 2pt solid;" width="100%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;As of December 31, 2011, the Company had approximately $1,097,000 of net operating loss carry forwards as a result of the acquisition of Franklin Bancorp. The utilization of the net operating loss carry forward is subject to Section 382 of the Internal Revenue Code and limits the Company&amp;#8217;s use to approximately $122,000 per year during the carry forward period, which expires in 2020.&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;A valuation allowance would be provided on deferred tax assets when it is more likely than not that some portion of the assets will not be realized. The Company has not established a valuation allowance at December 31, 2011 or 2010, due to management&amp;#8217;s belief that all criteria for recognition have been met, including the existence of a history of taxes paid sufficient to support the realization of deferred tax assets. &lt;/font&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;The reconciliation of the beginning unrecognized tax benefits balance to the ending balance is presented in the following table:&lt;/font&gt;&lt;/p&gt;
&lt;table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0"&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="82%"&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;(In thousands)&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="5%" colspan="3"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="5%" colspan="3"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="5%" colspan="3"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2009&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Balance at January 1&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,877&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,750&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,399&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr
 valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="82%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Changes in unrecognized tax benefits as a result of tax&lt;br /&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;positions taken during a prior year&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;287&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;560&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;119&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Changes in unrecognized tax benefits as a result of tax&lt;br /&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;position taken during the current year&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;475&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;555&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;387&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="82%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Decreases in unrecognized tax benefits relating to&lt;br /&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;settlements with taxing authorities&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(466&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Reductions to unrecognized tax benefits as a result of a&lt;br /&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;lapse of the applicable statute of limitations&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(570&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(522&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(155&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="82%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Balance at December 31&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2,069&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,877&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000
 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,750&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;div&gt;&amp;#160;&lt;/div&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;At December 31, 2011, 2010 and 2009, the balance of the Company&amp;#8217;s unrecognized tax benefits which would, if recognized, affect the Company&amp;#8217;s effective tax rate was $1,496,000, $1,465,000, and $1,466,000, respectively. These amounts are net of the offsetting benefits from other taxing jurisdictions.&lt;/font&gt;&lt;/p&gt;
&lt;div style="page-break-before: always;"&gt;&lt;font style="font-family:times new roman" size="2"&gt;As of December 31, 2011, 2010 and 2009, the Company had $95,000, $106,000, and $147,000 respectively, in accrued interest related to unrecognized tax benefits. During 2011 and 2010, the Company recorded a net reduction in accrued interest of $11,000 and $41,000, respectively, as a result of settlements with taxing authorities and other prior-year adjustments. During 2009, the Company recorded a net increase in accrued interest of $34,000. The Company&amp;#8217;s policy is to record interest and penalties related to unrecognized tax benefits as a component of income tax expense.&lt;/font&gt;&lt;/div&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;The Company believes it is reasonably possible that the total amount of tax benefits will decrease by approximately $456,000 over the next twelve months. The reduction primarily relates to the anticipated lapse in the statute of limitations. The unrecognized tax benefits relate primarily to apportionment of taxable income among various state tax jurisdictions. &lt;/font&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;The Company is subject to income tax in the U. S. federal jurisdiction, numerous state jurisdictions, and a foreign jurisdiction. The Company&amp;#8217;s federal income tax returns for tax years 2008 through 2010 remain subject to examination by the Internal Revenue Service. In addition, the Company is subject to state tax examinations for the tax years 2007 through 2010.&lt;/font&gt;&lt;/p&gt;</us-gaap:IncomeTaxDisclosureTextBlock>
	<us-gaap:FairValueDisclosuresTextBlock contextRef="Context_FYE_31-Dec-2011">&lt;p align="justify"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Note 15&lt;br /&gt;&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Disclosures about Financial Instruments&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;The Company is 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, commercial letters of credit and standby letters of credit. The Company&amp;#8217;s maximum potential exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit, commercial letters of credit and standby letters of credit is represented by the contractual amounts of those instruments. At December 31, 2011 and 2010, no amounts have been accrued for any estimated losses for these instruments.&lt;/font&gt;&lt;/p&gt;
&lt;p align="justify"&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. Commercial and standby letters of credit are conditional commitments issued by the Company to guarantee the performance of a customer to a third party. These off-balance sheet financial instruments generally have fixed expiration dates or other termination clauses and may require payment of a fee. The approximate remaining terms of commercial and standby letters of credit range from less than one to five years. Since these financial instruments may expire without being drawn upon, the total amounts do not necessarily represent future cash requirements. Commitments to extend credit and letters of credit are subject to the same underwriting standards as those financial instruments included on the consolidated balance sheets. The Company evaluates each customer&amp;#8217;s credit-worthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary upon extension of the credit, is based on management&amp;#8217;s credit evaluation of the borrower. Collateral held varies, but is generally accounts receivable, inventory, residential or income-producing commercial property or equipment. In the event of nonperformance, the Company may obtain and liquidate the collateral to recover amounts paid under its guarantees on these financial instruments. &lt;/font&gt;&lt;/p&gt;
&lt;div&gt;&amp;#160;&lt;/div&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;The following table shows conditional commitments to extend credit, standby letters of credit and commercial letters: &lt;/font&gt;&lt;/p&gt;
&lt;table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0"&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="90%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="9%" colspan="5"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="90%"&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;(In thousands)&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="90%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Conditional commitments to extend credit&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;10,485&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;33,031&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="90%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Standby letters of credit&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;22,302&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;23,587&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="90%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Commercial letters of credit&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;4,518&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;3,821&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;div&gt;&amp;#160;&lt;/div&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Following is a summary of the carrying amounts and fair values of the Company&amp;#8217;s financial instruments:&lt;/font&gt;&lt;/p&gt;
&lt;table style="width: 100%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0"&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="88%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap"
 width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="11%" colspan="11"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="88%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="5%" colspan="5"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="5%" colspan="5"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="88%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="2%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Carrying&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="2%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Carrying&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="88%"&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;(In thousands)&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="2%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="2%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Fair Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="2%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="2%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Fair Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="88%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Balance sheet assets:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="88%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Cash and cash equivalents&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;235,962&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;235,962&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;138,929&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;138,929&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="88%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Investment in securities&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;310,612&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;310,612&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;264,569&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;264,569&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="88%"&gt;&lt;font style="font-family:times new roman"
 size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Loans, net&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;658,611&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;665,348&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;696,742&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;710,294&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="88%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Accrued interest receivable&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;6,125&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;6,125&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;5,857&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;5,857&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="88%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Total&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,211,310&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,218,047&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,106,097&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,119,649&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr&gt;
&lt;td align="left" width="100%" colspan="13"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="88%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Balance sheet liabilities:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="88%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Deposits&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;548,368&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;548,985&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;518,590&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman"
 size="2"&gt;518,733&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="88%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Accounts and drafts payable&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;595,201&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;595,201&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;516,107&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;516,107&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="88%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Short-term borrowings&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;9&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;9&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="88%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Accrued interest payable&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;159&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;159&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;208&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;208&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="88%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Total&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,143,728&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,144,345&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,034,914&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,035,057&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;div&gt;&amp;#160;&lt;/div&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;The following methods and assumptions were used to estimate the fair value of each class of financial instruments for which it is practicable to estimate that value: &lt;/font&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Cash and Other Short-term Instruments&lt;/font&gt;&lt;/b&gt;&lt;font style="font-family:times new roman" size="2"&gt; For cash and cash equivalents, accrued interest receivable, accounts and drafts payable, short-term borrowings and accrued interest payable, the carrying amount is a reasonable estimate of fair value because of the demand nature or short maturities of these instruments. &lt;/font&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Investment in Securities&lt;/font&gt;&lt;/b&gt;&lt;font style="font-family:times new
 roman" size="2"&gt; Fair values are measured using Level 2 valuations. &lt;/font&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Loans&lt;/font&gt;&lt;/b&gt;&lt;font style="font-family:times new roman" size="2"&gt; The fair value of loans is estimated by discounting the future cash flows using the current rates at which similar loans would be made to borrowers with similar credit ratings and for the same remaining maturities. &lt;/font&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Deposits&lt;/font&gt;&lt;/b&gt;&lt;font style="font-family:times new roman" size="2"&gt; The fair value of demand deposits, savings deposits and certain money market deposits is the amount payable on demand at the reporting date. The fair value of fixed-maturity certificates of deposit is estimated using the rates currently offered for deposits of similar remaining maturities. The fair value estimates above do not include the benefit that results from the low-cost funding provided by the deposit liabilities compared to the cost of borrowing funds in the market or the benefit derived from the customer relationship inherent in existing deposits. &lt;/font&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Commitments to Extend Credit and Standby Letters of Credit&lt;/font&gt;&lt;/b&gt;&lt;font style="font-family:times new roman" size="2"&gt; The fair value of commitments to extend credit and standby letters of credit is estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements, the likelihood of the counterparties drawing on such financial instruments and the present credit-worthiness of such counterparties. The Company believes such commitments have been made at terms which are competitive in the markets in which it operates; however, no premium or discount is offered thereon. &lt;/font&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Limitations&lt;/font&gt;&lt;/b&gt;&lt;font style="font-family:times new roman" size="2"&gt; Fair value estimates are based on existing on- and off-balance sheet financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. Other significant assets or liabilities that are not considered financial assets or liabilities include premises and equipment and the benefit that results from the low-cost funding provided by the deposit liabilities compared to the cost of borrowing funds in the market (core deposit intangible). In addition, tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in any of the estimates. &lt;/font&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Because no market exists for a significant portion of the Company&amp;#8217;s financial instruments, fair value estimates are based on management&amp;#8217;s judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and, therefore, cannot be determined with precision. Changes in assumptions could significantly affect the estimates. &lt;/font&gt;&lt;/p&gt;</us-gaap:FairValueDisclosuresTextBlock>
	<us-gaap:SubsequentEventsTextBlock contextRef="Context_FYE_31-Dec-2011">&lt;p align="justify"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Note 17&lt;/font&gt;&lt;/b&gt;&lt;br /&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Subsequent Events &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;On January 6, 2012, the Company acquired the assets of Waste Reduction Consultants, Inc., one of the fastest-growing providers of environmental expense management services. This acquisition positions the Company to expand its portfolio of services for controlling facility-related expenses and accelerates the Company&amp;#8217;s leadership position as a back-office business processor. The results of operations for this new service will be included in the Information Services business segment beginning in January 2012.&lt;/font&gt;&lt;/p&gt;</us-gaap:SubsequentEventsTextBlock>
	<us-gaap:DeferredIncomeTaxExpenseBenefit contextRef="Context_FYE_31-Dec-2009" unitRef="USD" decimals="-3">-650000</us-gaap:DeferredIncomeTaxExpenseBenefit>
	<us-gaap:DeferredIncomeTaxExpenseBenefit contextRef="Context_FYE_31-Dec-2010" unitRef="USD" decimals="-3">1268000</us-gaap:DeferredIncomeTaxExpenseBenefit>
	<us-gaap:DeferredIncomeTaxExpenseBenefit contextRef="Context_FYE_31-Dec-2011" unitRef="USD" decimals="-3">2145000</us-gaap:DeferredIncomeTaxExpenseBenefit>
	<us-gaap:FederalDepositInsuranceCorporationPremiumExpense contextRef="Context_FYE_31-Dec-2009" unitRef="USD" decimals="-3">-2124000</us-gaap:FederalDepositInsuranceCorporationPremiumExpense>
	<us-gaap:FederalDepositInsuranceCorporationPremiumExpense contextRef="Context_FYE_31-Dec-2010" unitRef="USD" decimals="-3">0</us-gaap:FederalDepositInsuranceCorporationPremiumExpense>
	<us-gaap:FederalDepositInsuranceCorporationPremiumExpense contextRef="Context_FYE_31-Dec-2011" unitRef="USD" decimals="-3">0</us-gaap:FederalDepositInsuranceCorporationPremiumExpense>
	<us-gaap:PaymentsForRepurchaseOfCommonStock contextRef="Context_FYE_31-Dec-2009" unitRef="USD" decimals="-3">0</us-gaap:PaymentsForRepurchaseOfCommonStock>
	<us-gaap:PaymentsForRepurchaseOfCommonStock contextRef="Context_FYE_31-Dec-2010" unitRef="USD" decimals="-3">467000</us-gaap:PaymentsForRepurchaseOfCommonStock>
	<us-gaap:PaymentsForRepurchaseOfCommonStock contextRef="Context_FYE_31-Dec-2011" unitRef="USD" decimals="-3">0</us-gaap:PaymentsForRepurchaseOfCommonStock>
	<us-gaap:InterestExpenseShortTermBorrowings contextRef="Context_FYE_31-Dec-2009" unitRef="USD" decimals="-3">23000</us-gaap:InterestExpenseShortTermBorrowings>
	<us-gaap:InterestExpenseShortTermBorrowings contextRef="Context_FYE_31-Dec-2010" unitRef="USD" decimals="-3">0</us-gaap:InterestExpenseShortTermBorrowings>
	<us-gaap:InterestExpenseShortTermBorrowings contextRef="Context_FYE_31-Dec-2011" unitRef="USD" decimals="-3">0</us-gaap:InterestExpenseShortTermBorrowings>
	<us-gaap:InterestExpenseSubordinatedNotesAndDebentures contextRef="Context_FYE_31-Dec-2009" unitRef="USD" decimals="-3">106000</us-gaap:InterestExpenseSubordinatedNotesAndDebentures>
	<us-gaap:InterestExpenseSubordinatedNotesAndDebentures contextRef="Context_FYE_31-Dec-2010" unitRef="USD" decimals="-3">0</us-gaap:InterestExpenseSubordinatedNotesAndDebentures>
	<us-gaap:InterestExpenseSubordinatedNotesAndDebentures contextRef="Context_FYE_31-Dec-2011" unitRef="USD" decimals="-3">0</us-gaap:InterestExpenseSubordinatedNotesAndDebentures>
	<us-gaap:InterestExpense contextRef="Context_FYE_31-Dec-2009" unitRef="USD" decimals="-3">5053000</us-gaap:InterestExpense>
	<us-gaap:InterestExpense contextRef="Context_FYE_31-Dec-2010" unitRef="USD" decimals="-3">4875000</us-gaap:InterestExpense>
	<us-gaap:InterestExpense contextRef="Context_FYE_31-Dec-2011" unitRef="USD" decimals="-3">4374000</us-gaap:InterestExpense>
	<us-gaap:SignificantAccountingPoliciesTextBlock contextRef="Context_FYE_31-Dec-2011">&lt;p align="justify"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Note 1&lt;br /&gt;&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Summary of Significant Accounting Policies &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;b&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;Summary of Operations &lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Cass Information Systems, Inc&lt;/font&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;. &lt;/font&gt;&lt;/b&gt;&lt;font style="font-family:times new roman" size="2"&gt;(the &amp;#8220;Company&amp;#8221;) provides payment and information services, which include processing and payment of transportation, utility, telecommunications and environmental invoices. These services include the acquisition and management of data, information delivery and financial exchange. The consolidated balance sheet captions, &amp;#8220;Accounts and drafts payable&amp;#8221; and &amp;#8220;Payments in excess of funding,&amp;#8221; represent the Company&amp;#8217;s resulting financial position related to the payment services that are performed for customers. The Company also provides a full range of banking services to individual, corporate and institutional customers through Cass Commercial Bank (the &amp;#8220;Bank&amp;#8221;), its wholly owned bank subsidiary. &lt;/font&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;b&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;Basis of Presentation&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;font style="font-family:times new roman" size="2"&gt; The accounting and reporting policies of the Company and its subsidiaries conform to U.S. generally accepted accounting principles. The consolidated financial statements include the accounts of the Company and its wholly owned subsidiaries after elimination of intercompany transactions. Certain amounts in the 2010 consolidated financial statements have been reclassified to conform to the 2011 presentation. Such reclassifications have no effect on previously reported net income or shareholders&amp;#8217; equity. The Company issued a 10% stock dividend on December 15, 2011. The share and per share information have been restated unless indicated otherwise for all periods presented in the accompanying consolidated financial statements. &lt;/font&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;b&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;Use of Estimates &lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;font style="font-family:times new roman" size="2"&gt;In preparing the consolidated financial statements, Company management is required to make estimates and assumptions which significantly affect the reported amounts in the consolidated financial statements.&lt;/font&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;b&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;Cash and Cash Equivalents&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;font style="font-family:times new roman" size="2"&gt; For purposes of the consolidated statements of cash flows, the Company considers cash and due from banks, interest-bearing deposits in other financial institutions, federal funds sold and other short-term investments as segregated in the accompanying consolidated balance sheets to be cash equivalents. &lt;/font&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;b&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;Investment in Debt Securities&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;font style="font-family:times new roman" size="2"&gt; The Company classifies its debt marketable securities as available-for-sale. Securities classified as available-for-sale are carried at fair value. Unrealized gains and losses, net of the related tax effect, are excluded from earnings and reported in accumulated other comprehensive income, a component of shareholders&amp;#8217; equity. A decline in the fair value of any available-for-sale security below cost that is deemed other than temporary results in a charge to earnings and the establishment of a new cost basis for the security. To determine whether impairment is other than temporary, the Company considers whether it has the ability and intent to hold the investment until a marketplace recovery and considers whether evidence indicating the cost of the investment is recoverable outweighs evidence to the contrary. Evidence considered in this assessment includes the reasons for impairment, the severity and duration of the impairment, changes in value subsequent to year-end and forecasted performance of the investee. Premiums and discounts are amortized or accreted to interest income over the estimated lives of the securities using the level-yield method. Interest income is recognized when earned. Gains and losses are calculated using the specific identification method.&lt;/font&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;b&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;Allowance for Loan Losses&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;font style="font-family:times new roman" size="2"&gt; The allowance for loan losses is increased by provisions charged to expense and is available to absorb charge-offs, net of recoveries. Management utilizes a systematic, documented approach in determining the appropriate level of the allowance for loan losses. Management&amp;#8217;s approach, which provides for general and specific allocations, is based on current economic conditions, past losses, collection experience, risk characteristics of the portfolio, assessments of collateral values by obtaining independent appraisals for significant properties, and such other factors which, in management&amp;#8217;s judgment, deserve current recognition in estimating loan losses. &lt;/font&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Management believes the allowance for loan losses is adequate to absorb probable losses in the loan portfolio. While management uses all available information to recognize losses on loans, future additions to the allowance may be necessary based on changes in economic conditions. Additionally, various regulatory agencies, as an integral part of their examination process, periodically review the Company&amp;#8217;s allowance for loan losses. Such agencies may require the Company to increase the allowance for loan losses based on their judgments and interpretations about information available to them at the time of their examination. &lt;/font&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;b&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;Premises and Equipment&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;font style="font-family:times new roman" size="2"&gt; Premises and equipment are stated at cost less accumulated depreciation and amortization. Depreciation is computed over the estimated useful lives of the assets, or the respective lease terms for leasehold improvements, using straight-line and accelerated methods. Estimated useful lives do not exceed 40 years for buildings, the lesser of 10 years or the life of the lease for leasehold improvements and range from 3 to 7 years for software, equipment, furniture and fixtures. Maintenance and repairs are charged to expense as incurred. &lt;/font&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;b&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;Intangible Assets&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;font style="font-family:times new roman" size="2"&gt; Cost in excess of
 fair value of net assets acquired has resulted from business acquisitions. Goodwill and intangible assets with indefinite useful lives are not amortized, but instead are tested for impairment at least annually. Intangible assets with definite useful lives are amortized over their respective estimated useful lives.&lt;/font&gt;&lt;/p&gt;
&lt;div style="page-break-before: always;"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Periodically, the Company reviews intangible assets for events or changes in circumstances that may indicate that the carrying amount of the assets may not be recoverable. Based on those reviews, adjustments of recorded amounts have not been required.&lt;/font&gt;&lt;/div&gt;
&lt;p align="justify"&gt;&lt;b&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;Non-marketable Equity Investments &lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;font style="font-family:times new roman" size="2"&gt;The Company accounts for non-marketable equity investments, in which it holds less than a 20% ownership, under the cost method. Under the cost method of accounting, investments are carried at cost and are adjusted only for other than temporary declines in fair value, distributions of earnings and additional investments. The Company periodically evaluates whether any declines in fair value of its investments are other than temporary. In performing this evaluation, the Company considers various factors including any decline in market price, where available, the investee's financial condition, results of operations, operating trends and other financial ratios. Non-marketable equity investments are included in other assets on the consolidated balance sheets.&lt;/font&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;b&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;Foreclosed Assets &lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Real estate acquired as a result of foreclosure is initially recorded at the lower of its cost, which is the unpaid principal balance of the related loan plus foreclosure costs, or fair value less estimated selling costs. Fair value is generally determined through the receipt of appraisals. Any write down to fair value at the time the property is acquired is recorded as a charge-off to the allowance for loan losses. Any decline in the fair value of the property subsequent to acquisition is recorded as a charge to non-interest expense.&lt;/font&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;b&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;Treasury Stock&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;font style="font-family:times new roman" size="2"&gt; Purchases of the Company&amp;#8217;s common stock are recorded at cost. Upon reissuance, treasury stock is reduced based upon the average cost basis of shares held.&lt;/font&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;b&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;Comprehensive Income&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;font style="font-family:times new roman" size="2"&gt; Comprehensive income consists of net income, changes in net unrealized gains (losses) on available-for-sale securities and pension liability adjustments and is presented in the accompanying consolidated statements of shareholders' equity and comprehensive income.&lt;/font&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;b&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;Loans&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;font style="font-family:times new roman" size="2"&gt; Interest on loans is recognized based upon the principal amounts outstanding. It is the Company&amp;#8217;s policy to discontinue the accrual of interest when there is reasonable doubt as to the collectability of principal or interest. Subsequent payments received on such loans are applied to principal if there is any doubt as to the collectability of such principal; otherwise, these receipts are recorded as interest income. The accrual of interest on a loan is resumed when the loan is current as to payment of both principal and interest and/or the borrower demonstrates the ability to pay and remain current. Loan origination and commitment fees on originated loans, net of certain direct loan origination costs, are deferred and amortized to interest income using the level-yield method over the estimated lives of the related loans.&lt;/font&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;b&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;Impairment of Loans&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;font style="font-family:times new roman" size="2"&gt; A loan is considered impaired when it is probable that a creditor will be unable to collect all amounts due, both principal and interest, according to the contractual terms of the loan agreement. When measuring impairment, the expected future cash flows of an impaired loan are discounted at the loan's effective interest rate. Alternatively, impairment could be measured by reference to an observable market price, if one exists, or the fair value of the collateral for a collateral-dependent loan. Regardless of the historical measurement method used, the Company measures impairment based on the fair value of the collateral when the Company determines foreclosure is probable. Additionally, impairment of a restructured loan is measured by discounting the total expected future cash flows at the loan's effective rate of interest as stated in the original loan agreement. The Company uses its nonaccrual methods as discussed above for recognizing interest on impaired loans.&lt;/font&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;b&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;Information Services Revenue&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;font style="font-family:times new roman" size="2"&gt; A majority of the Company&amp;#8217;s revenues are attributable to fees for providing services. These services include transportation invoice rating, payment processing, auditing, and the generation of accounting, transportation and environmental information. The Company also processes, pays and generates management information from electric, gas, telecommunications and other invoices. The specific payment and information processing services provided to each customer are developed individually to meet each customer&amp;#8217;s specific requirements. The Company enters into service agreements with customers typically for fixed fees per transaction that are invoiced monthly. Revenues are recognized in the period services are rendered and earned under the service agreements, as long as collection is reasonably assured.&lt;/font&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;b&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;Income Taxes&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;font style="font-family:times new roman" size="2"&gt; Deferred tax assets and liabilities are recognized for the estimated future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates in effect for the year in which those temporary differences are expected to be recovered or settled. Deferred tax assets are reduced if necessary, by a deferred tax asset valuation allowance. In the event that management determines it will not be able to realize all
 or part of net deferred tax assets in the future, the Company adjusts the recorded value of deferred tax assets, which would result in a direct charge to income tax expense in the period that such determination is made. Likewise, the Company will reverse the valuation allowance when realization of the deferred tax asset is expected. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date.&lt;/font&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;b&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;Earnings Per Share&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;font style="font-family:times new roman" size="2"&gt; Basic earnings per share is computed by dividing net income by the weighted average number of common shares outstanding. Diluted earnings per share is computed by dividing net income, adjusted for the net income effect of the interest expense on the outstanding convertible debentures, by the sum of the weighted average number of common shares outstanding and the weighted average number of potential common shares outstanding.&lt;/font&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;b&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;Stock-Based Compensation&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;font style="font-family:times new roman" size="2"&gt; The Company follows FASB ASC 718 &amp;#8220;Accounting for Stock Options and Other Stock-based Compensation&amp;#8221; which requires that all stock-based compensation be recognized as an expense in the financial statements and that such cost be measured at the fair value of the award. FASB ASC 718 also requires that excess tax benefits related to stock option exercises and restricted stock awards be reflected as financing cash inflows instead of operating cash inflows.&lt;/font&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;b&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;Pension Plans &lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;font style="font-family:times new roman" size="2"&gt;The amounts recognized in the consolidated financial statements related to pension are determined from actuarial valuations. Inherent in these valuations are assumptions including expected return on plan assets, discount rates at which the liabilities could be settled at December 31, 2011, rate of increase in future compensation levels and mortality rates. These assumptions are updated annually and are disclosed in Note 10. The Company follows FASB ASC 715, &amp;#8220;Compensation &amp;#8211; Retirement Benefits,&amp;#8221; which requires companies to recognize the overfunded or underfunded status of a defined benefit postretirement plan as an asset or liability in its statement of financial position and to recognize changes in that funded status in the year in which the changes occur through comprehensive income. The funded status is measured as the difference between the fair value of the plan assets and the projected benefit obligation as of the date of its fiscal year-end. There have been no significant changes in the Company&amp;#8217;s long-term rate of return assumptions for the past three fiscal years ended December 31 and management believes they are not reasonably likely to change in the future. Pursuant to ASC 715, the Company has recognized the funded status of its defined benefit postretirement plan in its consolidated balance sheet and has recognized changes in that funded status through comprehensive income.&lt;/font&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Impact of New and Not Yet Adopted Accounting Pronouncements &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;In June 2011, the FASB issued Accounting Standards Update (&amp;#8220;ASU&amp;#8221;) No. 2011-05 &amp;#8211; &lt;/font&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;Comprehensive Income (ASC Topic 220) &lt;/font&gt;&lt;/i&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8211; &lt;/font&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;Presentation of Comprehensive Income.&lt;/font&gt;&lt;/i&gt;&lt;font style="font-family:times new roman" size="2"&gt; This ASU improves the comparability, consistency, and transparency of financial reporting and increases the prominence of items reported in other comprehensive income. This ASU requires companies to present the total of comprehensive income, the components of net income, and the components of other comprehensive income either in a single continuous statement of comprehensive income or in two separate but consecutive statements. This ASU eliminates the option to present the components of other comprehensive income as part of the statement of changes in shareholders&amp;#8217; equity. This ASU is effective for fiscal years, and interim periods within those years, beginning after December 15, 2011, and should be applied retrospectively. ASU No. 2011-12 deferred the presentation of reclassification adjustments and superseded certain pending paragraphs in ASU No. 2011-05. As these ASU&amp;#8217;s address financial statement presentation, the adoptions will not impact the Company&amp;#8217;s consolidated financial statements or results of operations.&lt;/font&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;In September 2011, the FASB issued ASU No. 2011-08 &amp;#8211; &lt;/font&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;Intangibles &lt;/font&gt;&lt;/i&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8211; &lt;/font&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;Goodwill and Other (ASC Topic 350) &lt;/font&gt;&lt;/i&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8211; &lt;/font&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;Testing of Goodwill for Impairment.&lt;/font&gt;&lt;/i&gt;&lt;font style="font-family:times new roman" size="2"&gt; This ASU simplifies how entities test goodwill for impairment. The amendments under this ASU permit an entity to first assess qualitative factors to determine whether it is more likely than not that the fair value of a reporting unit is less than its carrying amount as a basis for determining whether it is necessary to perform the two-step goodwill impairment test. The more-likely-than-not threshold is defined as having a likelihood of more than 50 percent. If an entity concludes that it is not more likely than not that the fair value of a reporting unit is less than its carrying amount, it would not be required to perform the two-step impairment test for that reporting unit. This ASU is effective for annual and interim goodwill impairment tests performed for fiscal years beginning after December 15, 2011. The adoption of this ASU is not expected to have a material impact on the Company&amp;#8217;s consolidated financial statements or results of operations.&lt;/font&gt;&lt;/p&gt;</us-gaap:SignificantAccountingPoliciesTextBlock>
	<us-gaap:RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock contextRef="Context_FYE_31-Dec-2011">&lt;p align="justify"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Note 2&lt;br /&gt;&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Capital Requirements and Regulatory Restrictions&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;The Company and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can result in certain mandatory, and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company&amp;#8217;s consolidated financial statements. Under capital adequacy guidelines, the Company and the Bank must meet specific capital guidelines that involve quantitative measures of assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices. The Company and the Bank&amp;#8217;s capital amounts and classifications are also subject to qualitative judgments by the regulators about components, risk weightings and other factors.&lt;/font&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Quantitative measures established by regulators to ensure capital adequacy require the Company and the Bank to maintain minimum amounts and ratios of total and Tier I capital to risk-weighted assets, and of Tier I capital to average assets. Management believes that as of December 31, 2011 and 2010, the Company and the Bank met all capital adequacy requirements to which they are subject.&lt;/font&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;The Bank is also subject to the regulatory framework for prompt corrective action. As of December 31, 2011 and 2010 the most recent notification from the regulatory agencies categorized the Bank as well capitalized. To be categorized as well capitalized, the Bank must maintain minimum total risk-based, Tier I risk-based, and Tier I leverage ratios as set forth in the table below. There are no conditions or events since that notification that management believes have changed the Bank&amp;#8217;s category.&lt;/font&gt;&lt;/p&gt;
&lt;div style="page-break-before: always;"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Subsidiary dividends are a significant source of funds for payment of dividends by the Company to its shareholders. At December 31, 2011, unappropriated retained earnings of $20,465,000 were available at the Bank for the declaration of dividends to the Company without prior approval from regulatory authorities. However, dividends paid by the Bank to the Company would be prohibited if the effect thereof would cause the Bank&amp;#8217;s capital to be reduced below applicable minimum capital requirements. &lt;/font&gt;&lt;/div&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;There were no restricted funds on deposit used to meet regulatory reserve requirements at December 31, 2011 and 2010.&lt;/font&gt;&lt;font style="font-family:times new roman" size="1"&gt; &lt;/font&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;The Company&amp;#8217;s and the Bank&amp;#8217;s actual and required capital amounts and ratios as are as follows: &lt;/font&gt;&lt;/p&gt;
&lt;table style="width: 100%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0"&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="68%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="10%" colspan="6"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Capital&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="9%" colspan="5"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Requirement to be&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="68%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="10%" colspan="6"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Actual&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="10%" colspan="6"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Requirements&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="9%" colspan="5"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Well Capitalized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="68%"&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;(In thousands)&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="5%" colspan="3"&gt;&lt;strong&gt;&lt;font style="font-family:times new roman" size="2"&gt;Ratio&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="5%" colspan="3"&gt;&lt;strong&gt;&lt;font style="font-family:times new roman" size="2"&gt;Ratio&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;strong&gt;&lt;font style="font-family:times new roman" size="2"&gt;Ratio&lt;/font&gt;&lt;/strong&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td
 align="left" nowrap="nowrap" width="68%" bgcolor="#c0c0c0"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;At December 31, 2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="68%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Total capital (to risk-weighted assets)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="68%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Cass Information Systems, Inc.&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;166,605&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;19.03&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;70,033&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;8.00&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;N/A&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;N/A&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="68%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Cass Commercial Bank&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;66,851&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;12.71&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;42,070&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;8.00&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;52,588&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;10.00&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="68%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Tier I capital (to risk-weighted assets)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"
 bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="68%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Cass Information Systems, Inc.&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;155,638&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;17.78&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;35,016&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;4.00&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;N/A&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;N/A&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="68%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Cass Commercial Bank&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;60,248&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;11.46&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;21,035&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;4.00&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;31,553&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;6.00&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="68%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Tier I capital (to average assets)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="68%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Cass Information Systems, Inc.&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;155,638&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;11.53&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman"
 size="2"&gt;40,502&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;3.00&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;N/A&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;N/A&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="68%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Cass Commercial Bank&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;60,248&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;9.49&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;19,044&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;3.00&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;31,741&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;5.00&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="68%" bgcolor="#c0c0c0"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;At December 31, 2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="68%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Total capital (to risk-weighted assets)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="68%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Cass Information Systems, Inc.&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;148,659&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;16.82&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"
 nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;70,695&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;8.00&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;N/A&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;N/A&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="68%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Cass Commercial Bank&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;58,838&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;10.72&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;43,916&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;8.00&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;54,895&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;10.00&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="68%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Tier I capital (to risk-weighted assets)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="68%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Cass Information Systems, Inc.&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;137,603&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;15.57&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;35,348&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;4.00&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;N/A&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;N/A&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="68%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Cass Commercial Bank&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;51,955&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"
 bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;9.46&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;21,958&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;4.00&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;32,937&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;6.00&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="68%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Tier I capital (to average assets)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="68%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Cass Information Systems, Inc.&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;137,603&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;11.18&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;36,923&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;3.00&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;N/A&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;N/A&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="68%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Cass Commercial Bank&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;51,955&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;8.92&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;17,472&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;3.00&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;29,121&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman"
 size="2"&gt;5.00&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;div&gt;&amp;#160;&lt;/div&gt;</us-gaap:RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock>
	<cass:InvestmentInSecuritiesTextBlock contextRef="Context_FYE_31-Dec-2011">&lt;p align="justify"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Note 3&lt;br /&gt;&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Investment in Securities&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Investment securities available-for-sale are recorded at fair value on a recurring basis. The Company&amp;#8217;s investment securities available-for-sale at December 31, 2011 and 2010 are measured at fair value using Level 2 valuations. The market evaluation utilizes several sources which include &amp;#8220;observable inputs&amp;#8221; rather than &amp;#8220;significant unobservable inputs&amp;#8221; and therefore falls into the Level 2 category. The table below presents the balances of securities available-for-sale measured at fair value on a recurring basis. The amortized cost, gross unrealized gains, gross unrealized losses and fair value of debt and equity securities are summarized as follows: &lt;/font&gt;&lt;/p&gt;
&lt;table style="width: 100%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0"&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="79%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="19%" colspan="11"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;December 31, 2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="79%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Gross&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Gross&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="79%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Amortized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Unrealized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Unrealized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="79%"&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;(In thousands)&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Cost&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Gains&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Losses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Fair Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="79%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;State and political subdivisions&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;287,585&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;19,797&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;20&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;307,362&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="79%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Certificates of deposit&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;3,250&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font
 style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;3,250&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="79%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Total&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;290,835&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;19,797&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;20&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;310,612&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr&gt;
&lt;td width="99%" colspan="13"&gt;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="79%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="19%" colspan="11"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;December 31, 2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="79%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Gross&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Gross&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="79%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Amortized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Unrealized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Unrealized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="79%"&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;(In thousands)&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Cost&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Gains&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&amp;#160; &lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Losses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Fair Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="79%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;State and political subdivisions&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font
 style="font-family:times new roman" size="2"&gt;255,929&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;9,829&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,189&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;264,569&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="79%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Total&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;255,929&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;9,829&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,189&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;264,569&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;div&gt;&amp;#160;&lt;/div&gt;
&lt;div style="page-break-before: always;"&gt;&lt;font style="font-family:times new roman" size="2"&gt;The fair values of securities with unrealized losses are as follows: &lt;/font&gt;&lt;/div&gt;
&lt;table style="width: 100%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0"&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="70%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="29%" colspan="17"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;December 31, 2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="70%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="9%" colspan="5"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Less than 12 months&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="9%" colspan="5"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;12 months or more&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="9%" colspan="5"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="70%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Estimated&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Unrealized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Estimated&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Unrealized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Estimated&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Unrealized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="70%"&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;(In thousands)&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Fair Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="center" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="4%"
 colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Losses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Fair Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Losses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Fair value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Losses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="70%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;State and political subdivisions&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;4,362&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;20&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;4,362&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;20&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="70%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Certificates of deposit&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="70%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Total&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;4,362&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;20&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new
 roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;4,362&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;20&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr&gt;
&lt;td width="100%" colspan="19"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="70%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="29%" colspan="17"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;December 31, 2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="70%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="9%" colspan="5"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Less than 12 months&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="9%" colspan="5"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;12 months or more&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="9%" colspan="5"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="70%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Estimated&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Unrealized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Estimated&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Unrealized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Estimated&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Unrealized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="70%"&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;(In thousands)&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Fair Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Losses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Fair Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Losses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Fair value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Losses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="70%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;State and political subdivisions&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;53,741&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"
 bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,189&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;53,741&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,189&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="70%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Total&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;53,741&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,189&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;53,741&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,189&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;div&gt;&amp;#160;&lt;/div&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;There were 7 securities (none greater than 12 months) in an unrealized loss position as of December 31, 2011 compared to 61 securities (none greater than 12 months) in an unrealized loss position as of December 31, 2010 . All unrealized losses are reviewed to determine whether the losses are other than temporary. Management believes that all unrealized losses are temporary since they are market driven and the Company has the ability and intent to hold these securities until maturity. &lt;/font&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;The amortized cost and fair value of debt and equity securities by contractual maturity are shown in the following table. Expected maturities may differ from contractual maturities because borrowers have the right to prepay obligations with or without prepayment penalties. &lt;/font&gt;&lt;/p&gt;
&lt;table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0"&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="90%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="9%" colspan="5"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;December 31, 2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="90%"&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;(In thousands)&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Amortized Cost&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;"
 nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Fair Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="90%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Due in 1 year or less&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;16,289&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;16,512&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="90%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Due after 1 year through 5 years&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;41,109&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;44,131&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="90%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Due after 5 years through 10 years&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;114,454&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;124,680&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="90%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Due after 10 years&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;118,983&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;125,289&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="90%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;No stated maturity&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="90%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Total&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;290,835&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;310,612&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;div&gt;&amp;#160;&lt;/div&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;The amortized cost of debt securities pledged to secure public deposits, securities sold under agreements to repurchase and for other purposes at December 31, 2011 and 2010 were $3,250,000 and $27,776,000 respectively. &lt;/font&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Proceeds from sales of debt securities classified as available-for-sale were $5,930,000 in 2011, $0 in 2010, and $21,906,000 in 2009. Gross realized gains on the sales in 2011, 2010 and 2009 were $48,000, $0 and $699,000, respectively; gross realized losses on sales in 2011, 2010 and 2009 were $5,000, $0 and $2,000, respectively. &lt;/font&gt;&lt;/p&gt;</cass:InvestmentInSecuritiesTextBlock>
	<us-gaap:PropertyPlantAndEquipmentDisclosureTextBlock contextRef="Context_FYE_31-Dec-2011">&lt;p align="justify"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Note 5&lt;br /&gt;&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Premises and Equipment&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;A summary of premises and equipment is as follows: &lt;/font&gt;&lt;/p&gt;
&lt;table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0"&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="89%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="9%" colspan="5"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="89%"&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;(In thousands)&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="89%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Land&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;873&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;873&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="89%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Buildings&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;10,491&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;10,491&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="89%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Leasehold improvements&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;836&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,794&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="89%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Furniture, fixtures and equipment&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;10,072&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;11,247&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="89%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Purchased software&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;5,894&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;5,390&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="89%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Internally developed software&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2,650&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;3,283&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="89%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;30,816&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;33,078&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="89%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Less accumulated depreciation&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" style="border-bottom:
 #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;21,229&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;23,461&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="89%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;9,587&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;9,617&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;div&gt;&amp;#160;&lt;/div&gt;
&lt;div style="page-break-before: always;"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Total depreciation charged to expense in 2011, 2010 and 2009 amounted to $1,955,000, $2,024,000, and $2,243,000, respectively. &lt;/font&gt;&lt;/div&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;The Company and its subsidiaries lease various premises and equipment under operating lease agreements, which expire at various dates through 2016. Rental expense for 2011, 2010 and 2009 was $598,000, $767,000 and $814,000, respectively. The following is a schedule, by year, of future minimum rental payments required under operating leases that have initial or remaining non-cancelable lease terms in excess of one year as of December 31, 2011: &lt;/font&gt;&lt;/p&gt;
&lt;table style="width: 60%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0"&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="95%"&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;(In thousands)&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="95%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2012&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;614&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="95%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2013&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;487&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="95%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2014&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;321&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="95%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2015&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;196&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="95%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2016&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;46&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="95%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,664&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;div&gt;&amp;#160;&lt;/div&gt;</us-gaap:PropertyPlantAndEquipmentDisclosureTextBlock>
	<us-gaap:DepositLiabilitiesDisclosuresTextBlock contextRef="Context_FYE_31-Dec-2011">&lt;p align="justify"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Note 7&lt;br /&gt;&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Interest-Bearing Deposits&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Interest-bearing deposits consist of the following:&lt;/font&gt;&lt;/p&gt;
&lt;table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0"&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="90%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="9%" colspan="5"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="90%"&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;(In thousands)&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="90%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;NOW and money market deposit accounts&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;257,294&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;215,927&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="90%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Savings deposits&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;28,037&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;32,447&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="90%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Time deposits:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="90%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Less than $100&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;13,167&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;20,950&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="90%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;$100 or more&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;117,914&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;136,169&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="90%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;416,412&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;405,493&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;div&gt;&amp;#160;&lt;/div&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Interest on deposits consists of the following: &lt;/font&gt;&lt;/p&gt;
&lt;table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0"&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="85%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" width="14%" colspan="8"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;"
 nowrap="nowrap" width="85%"&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;(In thousands)&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2009&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="85%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;NOW and money market deposit accounts&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2,162&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2,082&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,797&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="85%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Savings deposits&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;225&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;321&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;335&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="85%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Time deposits:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="85%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Less than $100&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,297&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,658&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,729&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="85%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;$100 or more&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;690&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;814&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,063&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="85%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;4,374&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap"
 width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;4,875&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;4,924&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;div&gt;&lt;font style="font-family:times new roman" size="2"&gt;&lt;/font&gt;&amp;#160;&lt;/div&gt;
&lt;div&gt;&lt;font style="font-family:times new roman" size="2"&gt;The scheduled maturities of time deposits are summarized as follows: &lt;/font&gt;&lt;/div&gt;
&lt;div&gt;&lt;font style="font-family:times new roman" size="2"&gt;&lt;/font&gt;&amp;#160;&lt;/div&gt;
&lt;table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0"&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="81%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="18%" colspan="11"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="81%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="9%" colspan="5"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="8%" colspan="5"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="81%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Percent&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="2%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Percent&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="81%"&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;(In thousands)&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;of Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="3%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;of Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="81%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Due within:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="2%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="81%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;One year&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;119,394&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;91.1&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="2%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;134,217&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;85.4&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="81%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Two years&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right"
 nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;7,362&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;5.6&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="2%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;19,442&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;12.4&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="81%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Three years&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,735&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1.3&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="2%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;914&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;0.6&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="81%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Four years&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2,332&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1.8&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="2%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;447&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;0.3&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="81%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Five years&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;258&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;.2&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="2%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2,099&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1.3&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="81%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;131,081&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;100.0&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="2%" bgcolor="#c0c0c0"&gt;&lt;font
 style="font-family:times new roman" size="2"&gt;157,119&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;100.0&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;div&gt;&amp;#160;&lt;/div&gt;</us-gaap:DepositLiabilitiesDisclosuresTextBlock>
	<us-gaap:DebtDisclosureTextBlock contextRef="Context_FYE_31-Dec-2011">&lt;p align="justify"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Note 8&lt;br /&gt;&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Subordinated Convertible Debentures and Unused Available Lines of Credit&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;On August 24, 2004, the Company issued $3,700,000 of 5.33% subordinated convertible debentures in partial consideration for the acquisition of the assets of PROFITLAB, Inc. Interest was payable annually on the anniversary date of the acquisition. Prior to 2010, all debt-holders converted the principal balance into shares of the Company&amp;#8217;s common stock in accordance with the conversion provisions. As such, no convertible debentures are outstanding as of December 31, 2010 and 2011.&lt;/font&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;As of December 31, 2011, the Bank had unsecured lines of credit at correspondent banks to purchase federal funds up to a maximum of $88,000,000 at the following banks: Bank of America, $20,000,000; US Bank, $20,000,000; Wells Fargo Bank, $15,000,000; PNC Bank, $12,000,000; Frost National Bank, $10,000,000; JPM Chase Bank, $6,000,000; and UMB Bank $5,000,000. The Company had secured lines of credit with the Federal Home Loan Bank of $132,578,000 collateralized by commercial mortgage loans. There were no amounts outstanding under any of the lines of credit discussed above at December 31, 2011 or 2010.&lt;/font&gt;&lt;/p&gt;</us-gaap:DebtDisclosureTextBlock>
	<dei:EntityWellKnownSeasonedIssuer contextRef="Context_FYE_31-Dec-2011">No</dei:EntityWellKnownSeasonedIssuer>
	<dei:EntityVoluntaryFilers contextRef="Context_FYE_31-Dec-2011">No</dei:EntityVoluntaryFilers>
	<dei:EntityCurrentReportingStatus contextRef="Context_FYE_31-Dec-2011">Yes</dei:EntityCurrentReportingStatus>
	<cass:OtherOperatingExpenseTextBlock contextRef="Context_FYE_31-Dec-2011">&lt;p align="justify"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Note 12&lt;br /&gt;&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Other Operating Expense&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Details of other operating expense are as follows: &lt;/font&gt;&lt;/p&gt;
&lt;table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0"&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="85%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="14%" colspan="8"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;For the Years Ended December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="85%"&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;(In thousands)&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2009&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="85%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Postage and supplies&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2,239&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2,031&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2,171&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="85%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Promotional expense&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,646&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,588&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,508&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="85%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Professional fees&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;3,141&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,892&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,388&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="85%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Outside service fees&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2,628&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2,282&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,956&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="85%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Data processing services&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;362&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;356&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;339&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="85%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Telecommunications&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap"
 width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;641&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;627&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;550&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="85%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Other&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,849&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,987&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,893&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="85%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Total other operating expense&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;12,506&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;10,763&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;9,805&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;div&gt;&lt;br /&gt;&amp;#160;&lt;/div&gt;</cass:OtherOperatingExpenseTextBlock>
	<dei:EntityPublicFloat contextRef="Context_As_Of_30-Jun-2011" unitRef="USD" decimals="0">327184000</dei:EntityPublicFloat>
	<us-gaap:CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock contextRef="Context_FYE_31-Dec-2011">&lt;p align="justify"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Note 18&lt;br /&gt;&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Condensed Financial Information of Parent Company&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;
&lt;p align="justify"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Following are the condensed balance sheets of the Company (parent company only) and the related condensed statements of income and cash flows.&lt;/font&gt;&lt;/p&gt;
&lt;table style="width: 100%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0"&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="94%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="5%" colspan="5"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Condensed Balance Sheets&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="94%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="5%" colspan="5"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="94%"&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;(In thousands)&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="2%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="2%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="94%" bgcolor="#c0c0c0"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Assets&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="94%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Cash and due from banks&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;26,986&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;17,842&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="94%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Short-term investments&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;95,043&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;61,775&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="94%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Securities available-for-sale, at fair value&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;310,612&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;264,569&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="94%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Loans, net&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;173,854&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;193,622&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="94%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Investments in subsidiary&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;58,582&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;52,091&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="94%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Premises and equipment, net&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;9,305&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;9,093&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="94%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Other assets&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td
 align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;93,582&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;66,080&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="94%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Total assets&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 2pt double;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 2pt double;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;767,964&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 2pt double;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 2pt double;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;665,072&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="94%"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Liabilities and Shareholders&amp;#8217; Equity&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="94%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Liabilities:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="94%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Accounts and drafts payable&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;595,201&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;516,107&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="94%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Other liabilities&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;12,183&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;6,871&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="94%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Total liabilities&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;607,384&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;522,978&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="94%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Total shareholders&amp;#8217; equity&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;160,580&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;142,094&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="94%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Total liabilities and shareholders&amp;#8217; equity&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 2pt double;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 2pt double;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;767,964&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 2pt double;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 2pt double;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;665,072&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;div&gt;&amp;#160;&lt;/div&gt;
&lt;table style="width: 100%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0"&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="91%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="8%" colspan="8"&gt;&lt;b&gt;&lt;font
 style="font-family:times new roman" size="2"&gt;Condensed Statement of Income&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="91%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="8%" colspan="8"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;For the Years Ended December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="91%"&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;(In thousands)&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="2%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="2%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="2%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2009&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="91%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Income from subsidiary:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="91%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Interest&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;18&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;24&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;115&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="91%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Management fees&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,794&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,849&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,882&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="91%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Income from subsidiary&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,812&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,873&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,997&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="91%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Information services revenue&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;60,688&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;54,183&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;48,665&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="91%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Net interest income after provision&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;19,933&lt;/font&gt;&lt;/td&gt;
&lt;td
 align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;18,373&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;18,157&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="91%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Gain on sales of investment securities&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;43&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;697&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="91%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Other income&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;701&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;549&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;551&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="91%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Total income&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;83,177&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;74,978&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;70,067&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="91%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Expenses:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="91%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Salaries and employee benefits&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;50,296&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;45,598&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;45,172&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="91%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Other expenses&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;14,462&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;13,205&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;11,690&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="91%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Total expenses&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;64,758&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman"
 size="2"&gt;58,803&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;56,862&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="91%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Income before income tax and equity in undistributed income&lt;br /&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;of subsidiary&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;18,419&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;16,175&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;13,205&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="91%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Income tax expense&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;3,156&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2,955&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2,158&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="91%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Income before undistributed income of subsidiary&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;15,263&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;13,220&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;11,047&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="91%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Equity in undistributed income of subsidiary&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;7,746&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;7,090&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;5,082&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr&gt;
&lt;td align="left" nowrap="nowrap" width="91%"&gt;&amp;#160;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="91%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Net income&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 2pt double;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 2pt double;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;23,009&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 2pt double;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 2pt double;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;20,310&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 2pt double;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 2pt double;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;16,129&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;div&gt;&amp;#160;&lt;/div&gt;
&lt;div style="page-break-before: always;"&gt;&amp;#160;&lt;/div&gt;
&lt;table style="width: 100%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0"&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="82%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="17%" colspan="11"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Condensed Statements of
 Cash Flows&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="82%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="17%" colspan="11"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;For the Years Ended December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="82%"&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;(In thousands)&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="5%" colspan="3"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="5%" colspan="3"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="5%" colspan="3"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;2009&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Cash flows from operating activities:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="82%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Net income&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;23,009&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;20,310&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;16,129&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Adjustments to reconcile net income to net cash provided&lt;br /&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;by (used in) operating activities:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="82%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Equity in undistributed income of subsidiary&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(7,746&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(7,090&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(5,082&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Net change in other assets&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(19,669&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman"
 size="2"&gt;(4,463&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;187&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="82%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Net change in other liabilities&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,655&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(4,930&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(962&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Amortization of stock-based awards&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,390&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,472&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,193&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="82%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Other, net&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(7,497&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(325&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Net cash (used in) provided by operating activities&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(8,858&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;5,299&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;11,140&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="82%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Cash flows from investing activities:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td
 align="left" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Net increase in securities&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(37,329&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(45,173&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(22,226&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="82%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Net (increase) decrease in loans&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;19,068&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(19,911&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;53,364&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Purchases of premises and equipment, net&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(2,107&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(1,166&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(901&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="82%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Net cash (used in) provided by investing activities&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(20,368&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(66,250&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;30,237&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Cash flows from financing activities:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="82%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Net increase (decrease) in accounts and drafts payable&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td
 align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;79,094&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;85,856&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(48,774&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Cash dividends paid&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(6,279&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(5,448&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(4,925&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="82%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Purchase of common shares for treasury&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(467&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#8212;&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Other financing activities&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(1,177&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(275&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;603&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="82%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Net cash provided by (used in) financing activities&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;71,638&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;79,666&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(53,096&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Net increase (decrease) in cash and cash equivalents&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;42,412&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"
 bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;18,715&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;(11,719&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="82%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Cash and cash equivalents at beginning of year&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;79,617&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;60,902&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;72,621&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Cash and cash equivalents at end of year&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 2pt double;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 2pt double;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;122,029&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 2pt double;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 2pt double;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 2pt double;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;79,617&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 2pt double;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 2pt double;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 2pt double;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;60,902&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 2pt double;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/table&gt;
&lt;div&gt;&amp;#160;&lt;/div&gt;</us-gaap:CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock>
	<us-gaap:AdditionalFinancialInformationDisclosureTextBlock contextRef="Context_FYE_31-Dec-2011">&lt;p align="justify"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Note 19&lt;br /&gt;&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;SUPPLEMENTARY FINANCIAL INFORMATION&lt;br /&gt;&lt;/font&gt;&lt;/b&gt;&lt;font style="font-family:times new roman" size="2"&gt;(Unaudited) &lt;/font&gt;&lt;/p&gt;
&lt;table style="width: 100%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0"&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="75%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;First&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Second&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Third&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Fourth&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="75%"&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;(In thousands except per share data)&lt;/font&gt;&lt;/i&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Quarter&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Quarter&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Quarter&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;Quarter&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"&gt;&lt;b&gt;&lt;font style="font-family:times new roman" size="2"&gt;YTD&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="75%" bgcolor="#c0c0c0"&gt;&lt;b&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;2011&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td style="text-align: center;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="75%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Fee revenue and other income&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;14,832&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;15,783&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;16,447&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;15,762&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;62,824&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="75%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Interest income&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;12,904&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td
 align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;12,795&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;12,494&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;12,042&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;50,235&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="75%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Interest expense&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,206&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,125&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,060&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;983&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;4,374&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="75%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Net interest income&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;11,698&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;11,670&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;11,434&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;11,059&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;45,861&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="75%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Provision for loan losses&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;450&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;850&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;550&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;300&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2,150&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="75%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Operating expense&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;18,134&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;18,635&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;18,913&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;19,347&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td
 align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;75,029&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="75%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Income tax expense&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2,227&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2,229&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2,358&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,683&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;8,497&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="75%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Net income&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;5,719&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;5,739&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;6,060&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;5,491&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;23,009&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="75%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Net income per share:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="75%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Basic earnings per share&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;.55&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;.56&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;.59&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;.53&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left"
 nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2.23&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="75%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Diluted earnings per share&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;.55&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;.55&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;.58&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;.53&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2.21&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="75%" bgcolor="#c0c0c0"&gt;&lt;b&gt;&lt;i&gt;&lt;font style="font-family:times new roman" size="2"&gt;2010&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="75%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Fee revenue and other income&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;13,225&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;13,968&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;14,401&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;14,552&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;56,146&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="75%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Interest income&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;11,628&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;12,131&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;12,489&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;12,798&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;49,046&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="75%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Interest expense&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,176&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt
 solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,199&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,249&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,251&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;4,875&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="75%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Net interest income&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;10,452&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;10,932&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;11,240&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;11,547&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;44,171&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="75%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Provision for loan losses&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;900&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,150&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;950&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,100&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;4,100&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="75%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Operating expense&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;16,197&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;16,850&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;17,098&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;18,139&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;68,284&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="75%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Income tax expense&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,831&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2,000&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;2,013&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap"
 width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1,779&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;7,623&lt;/font&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="75%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Net income&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;4,749&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;4,900&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;5,580&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;5,081&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;20,310&lt;/font&gt;&lt;/td&gt;
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&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="75%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Net income per share:&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="3%"&gt;&lt;/td&gt;
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&lt;tr valign="bottom"&gt;
&lt;td align="left" nowrap="nowrap" width="75%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Basic earnings per share&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;.46&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;.48&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;.54&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;.50&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1.98&lt;/font&gt;&lt;/td&gt;
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&lt;tr valign="bottom"&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="75%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;Diluted earnings per share&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;.46&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;.47&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;.54&lt;/font&gt;&lt;/td&gt;
&lt;td align="left"
 style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;.48&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"&gt;&lt;/td&gt;
&lt;td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"&gt;&lt;font style="font-family:times new roman" size="2"&gt;1.95&lt;/font&gt;&lt;/td&gt;
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	<us-gaap:CommonStockDividendsPerShareCashPaid contextRef="Context_FYE_31-Dec-2009" unitRef="USDPerShare" decimals="2">0.48</us-gaap:CommonStockDividendsPerShareCashPaid>
	<us-gaap:CommonStockDividendsPerShareCashPaid contextRef="Context_FYE_31-Dec-2010" unitRef="USDPerShare" decimals="2">0.53</us-gaap:CommonStockDividendsPerShareCashPaid>
	<us-gaap:CommonStockDividendsPerShareCashPaid contextRef="Context_FYE_31-Dec-2011" unitRef="USDPerShare" decimals="2">0.61</us-gaap:CommonStockDividendsPerShareCashPaid>
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